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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 | $38,399 | $146,267-73.7% | $197,124-80.5% | $82,448-53.4% |
| Participation rate | 63.3% | 84.0%-20.7pp | 86.7%-23.4pp | 68.1%-4.7pp |
| Annual return | 21.36% | 29.61%-8.3pp | 44.34%-23.0pp | 41.64%-20.3pp |
| Employer contribution / active EE | $3,530 | $4,723-25.3% | $6,227-43.3% | $2,551+38.4% |
| Participant deferral / active EE | $6,195 | $7,035-11.9% | $9,135-32.2% | $4,139+49.7% |
| Admin fee / account holder | $7,370 | $14,422-48.9% | $16,298-54.8% | $7,234+1.9% |