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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 | $10,245 | $160,040-93.6% | $147,096-93.0% | $145,877-93.0% |
| Participation rate | 36.4% | 84.0%-47.7pp | 82.2%-45.8pp | 80.3%-43.9pp |
| Annual return | 16.60% | 98.49%-81.9pp | 419.75%-403.1pp | 551.28%-534.7pp |
| Employer contribution / active EE | $1,475 | $5,289-72.1% | $4,936-70.1% | $4,663-68.4% |
| Participant deferral / active EE | $3,136 | $8,429-62.8% | $8,071-61.1% | $6,691-53.1% |
| Admin fee / account holder | $3,093 | $15,050-79.5% | $13,005-76.2% | $13,402-76.9% |