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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 | $41,960 | $254,759-83.5% | $216,567-80.6% | $198,609-78.9% |
| Participation rate | 64.7% | 84.5%-19.8pp | 81.6%-16.9pp | 82.4%-17.7pp |
| Annual return | 31.28% | 10.04%+21.2pp | 12.94%+18.3pp | 202.70%-171.4pp |
| Employer contribution / active EE | $2,110 | $6,096-65.4% | $5,216-59.5% | $5,055-58.3% |
| Participant deferral / active EE | $3,733 | $6,948-46.3% | $6,191-39.7% | $6,977-46.5% |
| Admin fee / account holder | $501 | $26,311-98.1% | $21,981-97.7% | $19,030-97.4% |