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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 | $25,980 | $78,562-66.9% | $105,608-75.4% | $74,429-65.1% |
| Participation rate | 69.4% | 72.8%-3.3pp | 75.3%-5.8pp | 67.2%+2.2pp |
| Annual return | 15.49% | 15.94%-0.5pp | 116.50%-101.0pp | 1368.38%-1352.9pp |
| Employer contribution / active EE | $1,628 | $2,521-35.4% | $3,167-48.6% | $2,625-38.0% |
| Participant deferral / active EE | $2,427 | $4,321-43.8% | $5,010-51.6% | $4,348-44.2% |
| Admin fee / account holder | $2,535 | $2,217+14.4% | $11,028-77.0% | $1,944+30.4% |