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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 | $14,666 | $71,230-79.4% | $93,727-84.4% | $80,959-81.9% |
| Participation rate | 36.5% | 60.4%-23.9pp | 68.7%-32.2pp | 67.7%-31.2pp |
| Annual return | 14.54% | 11.26%+3.3pp | 133.83%-119.3pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,228 | $1,565-21.6% | $2,421-49.3% | $2,757-55.5% |
| Participant deferral / active EE | $1,772 | $4,037-56.1% | $4,417-59.9% | $4,300-58.8% |
| Admin fee / account holder | $4,838 | $6,961-30.5% | $8,292-41.7% | $6,925-30.1% |