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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 | $19,541 | $76,551-74.5% | $123,894-84.2% | $62,881-68.9% |
| Participation rate | 38.8% | 73.0%-34.2pp | 81.4%-42.6pp | 69.3%-30.5pp |
| Annual return | 12.28% | 18.68%-6.4pp | 47.52%-35.2pp | 20.14%-7.9pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,124 | $4,840-14.8% | $5,984-31.1% | $3,203+28.8% |
| Admin fee / account holder | $989 | $4,826-79.5% | $8,357-88.2% | $4,296-77.0% |