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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 | $12,236 | $83,337-85.3% | $67,834-82.0% | $273,972-95.5% |
| Participation rate | 39.1% | 76.4%-37.3pp | 68.8%-29.7pp | 83.0%-43.9pp |
| Annual return | 8.05% | 259.45%-251.4pp | 138.47%-130.4pp | 41.46%-33.4pp |
| Employer contribution / active EE | $1,066 | $3,287-67.6% | $2,403-55.7% | $4,869-78.1% |
| Participant deferral / active EE | $1,852 | $4,088-54.7% | $3,160-41.4% | $5,287-65.0% |
| Admin fee / account holder | $305 | $6,752-95.5% | $4,622-93.4% | $10,133-97.0% |