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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 | $20,660 | $78,607-73.7% | $105,624-80.4% | $74,478-72.3% |
| Participation rate | 51.8% | 72.8%-21.0pp | 75.3%-23.5pp | 67.2%-15.4pp |
| Annual return | 14.78% | 15.96%-1.2pp | 116.20%-101.4pp | 1370.56%-1355.8pp |
| Employer contribution / active EE | $1,132 | $2,523-55.1% | $3,168-64.3% | $2,626-56.9% |
| Participant deferral / active EE | $3,767 | $4,325-12.9% | $5,013-24.8% | $4,350-13.4% |
| Admin fee / account holder | $4,098 | $2,220+84.6% | $10,961-62.6% | $1,946+110.6% |