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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 | $28,703 | $99,994-71.3% | $146,643-80.4% | $85,847-66.6% |
| Participation rate | 54.5% | 73.1%-18.5pp | 80.1%-25.5pp | 69.3%-14.8pp |
| Annual return | 12.81% | 18.93%-6.1pp | 22.75%-9.9pp | 318.61%-305.8pp |
| Employer contribution / active EE | $1,005 | $2,559-60.7% | $4,137-75.7% | $2,565-60.8% |
| Participant deferral / active EE | $1,823 | $4,006-54.5% | $5,506-66.9% | $3,952-53.9% |
| Admin fee / account holder | $385 | $7,703-95.0% | $10,280-96.3% | $6,261-93.9% |