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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 | $19,746 | $99,652-80.2% | $78,778-74.9% | $147,585-86.6% |
| Participation rate | 60.0% | 76.2%-16.2pp | 69.2%-9.2pp | 82.8%-22.8pp |
| Annual return | 18.10% | 47.28%-29.2pp | 35.62%-17.5pp | 578.57%-560.5pp |
| Employer contribution / active EE | $1,070 | $2,796-61.7% | $1,986-46.1% | $4,876-78.1% |
| Participant deferral / active EE | $1,859 | $3,664-49.3% | $2,958-37.2% | $5,439-65.8% |
| Admin fee / account holder | $2,194 | $7,155-69.3% | $5,134-57.3% | $10,885-79.8% |