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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 | $20,462 | $199,109-89.7% | $173,730-88.2% | $154,746-86.8% |
| Participation rate | 66.7% | 82.8%-16.1pp | 79.6%-12.9pp | 80.7%-14.0pp |
| Annual return | 73.58% | 20.02%+53.6pp | 19.96%+53.6pp | 172.34%-98.8pp |
| Employer contribution / active EE | $2,073 | $5,311-61.0% | $4,577-54.7% | $4,379-52.7% |
| Participant deferral / active EE | $3,206 | $7,113-54.9% | $6,326-49.3% | $6,730-52.4% |
| Admin fee / account holder | $1,081 | $20,916-94.8% | $17,523-93.8% | $14,365-92.5% |