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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 | $22,775 | $102,422-77.8% | $147,117-84.5% | $80,959-71.9% |
| Participation rate | 47.1% | 75.9%-28.8pp | 82.2%-35.1pp | 67.7%-20.6pp |
| Annual return | 22.77% | 135.16%-112.4pp | 420.54%-397.8pp | 35.67%-12.9pp |
| Employer contribution / active EE | $2,023 | $3,717-45.6% | $4,932-59.0% | $2,757-26.6% |
| Participant deferral / active EE | $2,729 | $6,652-59.0% | $8,065-66.2% | $4,300-36.5% |
| Admin fee / account holder | $7,343 | $7,953-7.7% | $12,993-43.5% | $6,925+6.0% |