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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 | $22,882 | $101,798-77.5% | $165,071-86.1% | $80,935-71.7% |
| Participation rate | 43.2% | 71.8%-28.6pp | 78.6%-35.4pp | 67.7%-24.4pp |
| Annual return | 15.55% | 16.73%-1.2pp | 70.17%-54.6pp | 35.66%-20.1pp |
| Employer contribution / active EE | $1,006 | $2,954-65.9% | $4,347-76.9% | $2,757-63.5% |
| Participant deferral / active EE | $2,542 | $4,476-43.2% | $6,035-57.9% | $4,299-40.9% |
| Admin fee / account holder | $1,414 | $8,221-82.8% | $12,695-88.9% | $6,924-79.6% |