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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 | $23,898 | $101,795-76.5% | $165,100-85.5% | $80,959-70.5% |
| Participation rate | 44.7% | 71.8%-27.1pp | 78.6%-33.9pp | 67.7%-23.0pp |
| Annual return | 14.01% | 16.73%-2.7pp | 70.21%-56.2pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,025 | $2,954-65.3% | $4,348-76.4% | $2,757-62.8% |
| Participant deferral / active EE | $2,023 | $4,476-54.8% | $6,035-66.5% | $4,300-52.9% |
| Admin fee / account holder | $4,156 | $8,221-49.4% | $12,696-67.3% | $6,925-40.0% |