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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 | $22,892 | $69,977-67.3% | $108,582-78.9% | $62,881-63.6% |
| Participation rate | 47.8% | 72.9%-25.1pp | 79.6%-31.8pp | 69.3%-21.5pp |
| Annual return | 8.51% | 10.73%-2.2pp | -51.70%+60.2pp | 20.14%-11.6pp |
| Employer contribution / active EE | $950 | $2,135-55.5% | $3,758-74.7% | $2,281-58.3% |
| Participant deferral / active EE | $1,467 | $3,165-53.6% | $4,311-66.0% | $3,203-54.2% |
| Admin fee / account holder | $1,069 | $5,076-78.9% | $7,645-86.0% | $4,296-75.1% |