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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 | $22,425 | $80,705-72.2% | $115,768-80.6% | $67,986-67.0% |
| Participation rate | 51.6% | 63.0%-11.4pp | 74.4%-22.8pp | 57.2%-5.6pp |
| Annual return | 85.13% | 18.49%+66.6pp | 100.46%-15.3pp | 31.67%+53.5pp |
| Employer contribution / active EE | $2,049 | $2,046+0.1% | $2,940-30.3% | $2,019+1.5% |
| Participant deferral / active EE | $1,749 | $3,559-50.9% | $4,917-64.4% | $3,358-47.9% |
| Admin fee / account holder | $610 | $4,135-85.2% | $12,439-95.1% | $3,203-81.0% |