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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 | $19,061 | $135,956-86.0% | $123,894-84.6% | $273,972-93.0% |
| Participation rate | 60.0% | 84.1%-24.1pp | 81.4%-21.4pp | 83.0%-23.0pp |
| Annual return | 27.67% | 56.63%-29.0pp | 47.52%-19.8pp | 41.46%-13.8pp |
| Employer contribution / active EE | $3,422 | $5,170-33.8% | $4,617-25.9% | $4,869-29.7% |
| Participant deferral / active EE | $7,067 | $6,343+11.4% | $5,984+18.1% | $5,287+33.7% |
| Admin fee / account holder | $1,204 | $9,817-87.7% | $8,357-85.6% | $10,133-88.1% |