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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 | $24,600 | $98,776-75.1% | $149,745-83.6% | $79,856-69.2% |
| Participation rate | 68.4% | 75.8%-7.4pp | 82.5%-14.1pp | 69.6%-1.2pp |
| Annual return | 14.93% | 27.38%-12.5pp | 276.72%-261.8pp | 31.71%-16.8pp |
| Employer contribution / active EE | $1,155 | $3,217-64.1% | $4,646-75.1% | $2,471-53.3% |
| Participant deferral / active EE | $4,356 | $5,681-23.3% | $6,843-36.3% | $3,741+16.4% |
| Admin fee / account holder | $5,252 | $6,053-13.2% | $9,312-43.6% | $5,306-1.0% |