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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 | $14,254 | $71,215-80.0% | $93,696-84.8% | $80,935-82.4% |
| Participation rate | 28.1% | 60.4%-32.3pp | 68.7%-40.6pp | 67.7%-39.5pp |
| Annual return | 19.04% | 11.27%+7.8pp | 133.74%-114.7pp | 35.66%-16.6pp |
| Employer contribution / active EE | $946 | $1,565-39.6% | $2,422-60.9% | $2,757-65.7% |
| Participant deferral / active EE | $1,551 | $4,037-61.6% | $4,417-64.9% | $4,299-63.9% |
| Admin fee / account holder | $3,676 | $6,958-47.2% | $8,287-55.6% | $6,924-46.9% |