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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 | $23,980 | $125,797-80.9% | $170,057-85.9% | $75,177-68.1% |
| Participation rate | 55.3% | 83.6%-28.3pp | 87.0%-31.7pp | 67.2%-11.9pp |
| Annual return | 23.98% | 27.20%-3.2pp | 53.42%-29.4pp | 160.75%-136.8pp |
| Employer contribution / active EE | $2,898 | $4,616-37.2% | $6,790-57.3% | $2,671+8.5% |
| Participant deferral / active EE | $5,448 | $6,838-20.3% | $10,411-47.7% | $4,126+32.0% |
| Admin fee / account holder | $4,926 | $8,177-39.8% | $12,826-61.6% | $5,651-12.8% |