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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 | $29,652 | $79,867-62.9% | $120,344-75.4% | $64,340-53.9% |
| Participation rate | 23.5% | 63.0%-39.4pp | 76.7%-53.2pp | 55.2%-31.7pp |
| Annual return | 68.60% | 21.10%+47.5pp | 20.30%+48.3pp | 24.14%+44.5pp |
| Employer contribution / active EE | $1,131 | $1,925-41.2% | $3,020-62.5% | $1,862-39.2% |
| Participant deferral / active EE | $2,345 | $3,593-34.7% | $5,135-54.3% | $2,980-21.3% |
| Admin fee / account holder | $1,497 | $5,039-70.3% | $12,742-88.3% | $3,703-59.6% |