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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 | $20,275 | $102,385-80.2% | $147,080-86.2% | $80,935-74.9% |
| Participation rate | 53.3% | 75.9%-22.5pp | 82.2%-28.8pp | 67.7%-14.3pp |
| Annual return | 19.92% | 135.09%-115.2pp | 420.17%-400.2pp | 35.66%-15.7pp |
| Employer contribution / active EE | $1,799 | $3,717-51.6% | $4,933-63.5% | $2,757-34.8% |
| Participant deferral / active EE | $4,621 | $6,651-30.5% | $8,066-42.7% | $4,299+7.5% |
| Admin fee / account holder | $424 | $7,951-94.7% | $12,989-96.7% | $6,924-93.9% |