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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 | $15,793 | $96,136-83.6% | $135,987-88.4% | $80,925-80.5% |
| Participation rate | 32.1% | 71.2%-39.1pp | 76.4%-44.4pp | 67.7%-35.6pp |
| Annual return | 21.70% | 28.70%-7.0pp | 580.01%-558.3pp | 35.65%-13.9pp |
| Employer contribution / active EE | $943 | $3,350-71.8% | $4,214-77.6% | $2,756-65.8% |
| Participant deferral / active EE | $1,921 | $5,706-66.3% | $7,027-72.7% | $4,299-55.3% |
| Admin fee / account holder | $5,821 | $8,236-29.3% | $6,716-13.3% | $6,940-16.1% |