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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 | $33,259 | $79,089-57.9% | $100,392-66.9% | $74,459-55.3% |
| Participation rate | 59.4% | 79.4%-20.0pp | 81.5%-22.1pp | 67.2%-7.8pp |
| Annual return | 17.45% | 20.61%-3.2pp | 49.45%-32.0pp | 1369.70%-1352.3pp |
| Employer contribution / active EE | $1,233 | $3,015-59.1% | $3,941-68.7% | $2,626-53.1% |
| Participant deferral / active EE | $3,901 | $7,747-49.6% | $8,090-51.8% | $4,350-10.3% |
| Admin fee / account holder | $2,280 | $1,336+70.6% | $7,904-71.2% | $1,945+17.2% |