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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 | $12,138 | $68,880-82.4% | $120,580-89.9% | $80,959-85.0% |
| Participation rate | 40.0% | 61.7%-21.7pp | 72.0%-32.0pp | 67.7%-27.7pp |
| Annual return | 14.86% | 23.68%-8.8pp | 107.48%-92.6pp | 35.67%-20.8pp |
| Employer contribution / active EE | $845 | $2,066-59.1% | $3,469-75.6% | $2,757-69.4% |
| Participant deferral / active EE | $1,348 | $3,191-57.8% | $4,995-73.0% | $4,300-68.7% |
| Admin fee / account holder | $495 | $5,785-91.4% | $9,418-94.7% | $6,925-92.8% |