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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 | $18,585 | $71,230-73.9% | $93,727-80.2% | $80,959-77.0% |
| Participation rate | 54.8% | 60.4%-5.6pp | 68.7%-13.9pp | 67.7%-12.8pp |
| Annual return | 12.46% | 11.26%+1.2pp | 133.83%-121.4pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,254 | $1,565-19.9% | $2,421-48.2% | $2,757-54.5% |
| Participant deferral / active EE | $3,121 | $4,037-22.7% | $4,417-29.3% | $4,300-27.4% |
| Admin fee / account holder | $710 | $6,961-89.8% | $8,292-91.4% | $6,925-89.8% |