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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 | $21,922 | $201,344-89.1% | $184,243-88.1% | $145,877-85.0% |
| Participation rate | 52.9% | 87.5%-34.6pp | 86.8%-33.9pp | 80.3%-27.4pp |
| Annual return | 15.53% | 29.01%-13.5pp | 28.82%-13.3pp | 551.28%-535.8pp |
| Employer contribution / active EE | $1,704 | $7,022-75.7% | $6,427-73.5% | $4,663-63.4% |
| Participant deferral / active EE | $3,228 | $9,807-67.1% | $9,132-64.6% | $6,691-51.7% |
| Admin fee / account holder | $3,552 | $16,382-78.3% | $13,914-74.5% | $13,402-73.5% |