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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,698 | $91,537-74.1% | $130,045-81.8% | $75,173-68.5% |
| Participation rate | 68.0% | 71.5%-3.5pp | 78.5%-10.5pp | 67.2%+0.8pp |
| Annual return | 37.69% | -631.55%+669.2pp | -137.30%+175.0pp | 160.72%-123.0pp |
| Employer contribution / active EE | $2,205 | $2,845-22.5% | $4,321-49.0% | $2,671-17.5% |
| Participant deferral / active EE | $3,814 | $4,343-12.2% | $5,820-34.5% | $4,126-7.6% |
| Admin fee / account holder | $2,669 | $6,780-60.6% | $10,600-74.8% | $5,651-52.8% |