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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 | $11,596 | $76,551-84.9% | $123,894-90.6% | $62,881-81.6% |
| Participation rate | 42.5% | 73.0%-30.5pp | 81.4%-38.9pp | 69.3%-26.8pp |
| Annual return | 38.14% | 18.68%+19.5pp | 47.52%-9.4pp | 20.14%+18.0pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,961 | $4,840-38.8% | $5,984-50.5% | $3,203-7.6% |
| Admin fee / account holder | $1,998 | $4,826-58.6% | $8,357-76.1% | $4,296-53.5% |