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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 | $20,381 | $102,429-80.1% | $147,096-86.1% | $80,925-74.8% |
| Participation rate | 56.0% | 75.9%-19.9pp | 82.2%-26.2pp | 67.7%-11.7pp |
| Annual return | 18.88% | 135.02%-116.1pp | 419.75%-400.9pp | 35.65%-16.8pp |
| Employer contribution / active EE | $1,929 | $3,716-48.1% | $4,936-60.9% | $2,756-30.0% |
| Participant deferral / active EE | $3,355 | $6,649-49.5% | $8,071-58.4% | $4,299-22.0% |
| Admin fee / account holder | $485 | $7,957-93.9% | $13,005-96.3% | $6,940-93.0% |