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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 | $15,386 | $65,555-76.5% | $86,216-82.2% | $75,173-79.5% |
| Participation rate | 68.4% | 60.5%+7.9pp | 69.0%-0.6pp | 67.2%+1.2pp |
| Annual return | 17.38% | 46.07%-28.7pp | 1169.42%-1152.0pp | 160.72%-143.3pp |
| Employer contribution / active EE | $994 | $1,553-36.0% | $2,382-58.3% | $2,671-62.8% |
| Participant deferral / active EE | $1,726 | $3,023-42.9% | $3,986-56.7% | $4,126-58.2% |
| Admin fee / account holder | $1,992 | $5,469-63.6% | $6,853-70.9% | $5,651-64.7% |