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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 | $29,403 | $86,288-65.9% | $111,306-73.6% | $85,851-65.8% |
| Participation rate | 63.0% | 73.3%-10.3pp | 77.3%-14.3pp | 69.3%-6.3pp |
| Annual return | 12.97% | 19.99%-7.0pp | 54.67%-41.7pp | 318.63%-305.7pp |
| Employer contribution / active EE | $1,289 | $2,044-36.9% | $2,732-52.8% | $2,565-49.7% |
| Participant deferral / active EE | $2,486 | $3,641-31.7% | $4,488-44.6% | $3,952-37.1% |
| Admin fee / account holder | $5,748 | $8,189-29.8% | $7,966-27.8% | $6,261-8.2% |