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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 | $14,316 | $88,672-83.9% | $105,223-86.4% | $82,448-82.6% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 19.81% | 30.86%-11.0pp | 180.65%-160.8pp | 41.64%-21.8pp |
| Employer contribution / active EE | $902 | $3,048-70.4% | $3,689-75.5% | $2,551-64.6% |
| Participant deferral / active EE | $2,173 | $4,036-46.2% | $5,072-57.2% | $4,139-47.5% |
| Admin fee / account holder | $317 | $7,146-95.6% | $8,859-96.4% | $7,234-95.6% |