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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 | $22,758 | $80,781-71.8% | $102,437-77.8% | $74,478-69.4% |
| Participation rate | 55.6% | 65.7%-10.0pp | 74.5%-18.9pp | 67.2%-11.6pp |
| Annual return | 16.65% | 27.58%-10.9pp | 24.95%-8.3pp | 1370.56%-1353.9pp |
| Employer contribution / active EE | $952 | $3,160-69.9% | $3,871-75.4% | $2,626-63.8% |
| Participant deferral / active EE | $3,016 | $3,862-21.9% | $5,060-40.4% | $4,350-30.7% |
| Admin fee / account holder | $1,336 | $2,372-43.7% | $8,388-84.1% | $1,946-31.4% |