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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 | $20,344 | $83,045-75.5% | $130,026-84.4% | $71,495-71.5% |
| Participation rate | 37.8% | 74.1%-36.3pp | 78.5%-40.7pp | 67.9%-30.1pp |
| Annual return | 30.21% | 20.61%+9.6pp | -137.26%+167.5pp | 28.85%+1.4pp |
| Employer contribution / active EE | $1,646 | $2,623-37.3% | $4,321-61.9% | $2,589-36.4% |
| Participant deferral / active EE | $3,108 | $4,436-29.9% | $5,821-46.6% | $4,291-27.6% |
| Admin fee / account holder | $805 | $1,727-53.4% | $10,608-92.4% | $1,588-49.3% |