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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 | $16,376 | $104,251-84.3% | $91,004-82.0% | $147,585-88.9% |
| Participation rate | 61.5% | 78.2%-16.7pp | 75.6%-14.1pp | 82.8%-21.3pp |
| Annual return | 10.01% | 27.06%-17.1pp | 4.60%+5.4pp | 578.58%-568.6pp |
| Employer contribution / active EE | $1,300 | $3,116-58.3% | $2,456-47.1% | $4,876-73.3% |
| Participant deferral / active EE | $2,450 | $4,195-41.6% | $3,548-30.9% | $5,439-55.0% |
| Admin fee / account holder | $395 | $8,948-95.6% | $5,417-92.7% | $10,886-96.4% |