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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 | $21,509 | $135,956-84.2% | $123,894-82.6% | $273,972-92.1% |
| Participation rate | 64.7% | 84.1%-19.4pp | 81.4%-16.7pp | 83.0%-18.3pp |
| Annual return | 12.43% | 56.63%-44.2pp | 47.52%-35.1pp | 41.46%-29.0pp |
| Employer contribution / active EE | $3,547 | $5,170-31.4% | $4,617-23.2% | $4,869-27.1% |
| Participant deferral / active EE | $4,611 | $6,343-27.3% | $5,984-22.9% | $5,287-12.8% |
| Admin fee / account holder | $741 | $9,817-92.5% | $8,357-91.1% | $10,133-92.7% |