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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 | $24,328 | $98,766-75.4% | $149,730-83.8% | $79,852-69.5% |
| Participation rate | 51.6% | 75.8%-24.2pp | 82.5%-30.9pp | 69.6%-18.0pp |
| Annual return | 21.84% | 27.43%-5.6pp | 276.70%-254.9pp | 31.72%-9.9pp |
| Employer contribution / active EE | $1,053 | $3,217-67.3% | $4,645-77.3% | $2,471-57.4% |
| Participant deferral / active EE | $2,452 | $5,681-56.8% | $6,843-64.2% | $3,740-34.4% |
| Admin fee / account holder | $390 | $6,052-93.6% | $9,310-95.8% | $5,306-92.7% |