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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 | $9,071 | $77,920-88.4% | $149,723-93.9% | $75,177-87.9% |
| Participation rate | 63.3% | 65.6%-2.3pp | 78.8%-15.5pp | 67.2%-3.9pp |
| Annual return | 23.45% | 31.72%-8.3pp | 134.50%-111.0pp | 160.75%-137.3pp |
| Employer contribution / active EE | $1,284 | $3,138-59.1% | $4,821-73.4% | $2,671-51.9% |
| Participant deferral / active EE | $2,403 | $3,411-29.6% | $5,682-57.7% | $4,126-41.8% |
| Admin fee / account holder | $2,707 | $5,951-54.5% | $13,215-79.5% | $5,651-52.1% |