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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 | $22,900 | $58,828-61.1% | $78,002-70.6% | $62,881-63.6% |
| Participation rate | 39.5% | 71.1%-31.5pp | 75.5%-36.0pp | 69.3%-29.8pp |
| Annual return | 6.95% | 17.16%-10.2pp | 425.99%-419.0pp | 20.14%-13.2pp |
| Employer contribution / active EE | $377 | $1,672-77.4% | $2,470-84.7% | $2,281-83.5% |
| Participant deferral / active EE | $1,647 | $2,686-38.7% | $3,497-52.9% | $3,203-48.6% |
| Admin fee / account holder | $385 | $4,393-91.2% | $5,481-93.0% | $4,296-91.0% |