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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 | $17,109 | $48,364-64.6% | $71,796-76.2% | $62,881-72.8% |
| Participation rate | 46.4% | 60.6%-14.2pp | 69.1%-22.7pp | 69.3%-22.9pp |
| Annual return | 7.39% | 13.16%-5.8pp | 78.04%-70.7pp | 20.14%-12.8pp |
| Employer contribution / active EE | $727 | $1,042-30.2% | $1,924-62.2% | $2,281-68.1% |
| Participant deferral / active EE | $1,105 | $2,091-47.1% | $2,794-60.4% | $3,203-65.5% |
| Admin fee / account holder | $397 | $3,771-89.5% | $4,815-91.8% | $4,296-90.8% |