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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 | $12,359 | $88,672-86.1% | $105,223-88.3% | $82,448-85.0% |
| Participation rate | 66.7% | 67.9%-1.3pp | 75.0%-8.4pp | 68.1%-1.4pp |
| Annual return | 16.23% | 30.86%-14.6pp | 180.65%-164.4pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,356 | $3,048-55.5% | $3,689-63.2% | $2,551-46.8% |
| Participant deferral / active EE | $2,256 | $4,036-44.1% | $5,072-55.5% | $4,139-45.5% |
| Admin fee / account holder | $4,230 | $7,146-40.8% | $8,859-52.3% | $7,234-41.5% |