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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 | $27,075 | $80,763-66.5% | $102,412-73.6% | $74,459-63.6% |
| Participation rate | 35.1% | 65.7%-30.5pp | 74.5%-39.4pp | 67.2%-32.1pp |
| Annual return | 18.01% | 27.57%-9.6pp | 24.94%-6.9pp | 1369.70%-1351.7pp |
| Employer contribution / active EE | $1,075 | $3,160-66.0% | $3,870-72.2% | $2,626-59.1% |
| Participant deferral / active EE | $2,031 | $3,862-47.4% | $5,060-59.9% | $4,350-53.3% |
| Admin fee / account holder | $2,078 | $2,371-12.4% | $8,388-75.2% | $1,945+6.8% |