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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 | $15,028 | $88,672-83.1% | $105,223-85.7% | $82,448-81.8% |
| Participation rate | 35.7% | 67.9%-32.2pp | 75.0%-39.3pp | 68.1%-32.4pp |
| Annual return | 31.78% | 30.86%+0.9pp | 180.65%-148.9pp | 41.64%-9.9pp |
| Employer contribution / active EE | $2,131 | $3,048-30.1% | $3,689-42.2% | $2,551-16.5% |
| Participant deferral / active EE | $2,824 | $4,036-30.0% | $5,072-44.3% | $4,139-31.8% |
| Admin fee / account holder | $2,273 | $7,146-68.2% | $8,859-74.3% | $7,234-68.6% |