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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 | $14,209 | $106,864-86.7% | $147,318-90.4% | $82,637-82.8% |
| Participation rate | 50.5% | 75.5%-25.0pp | 82.1%-31.5pp | 68.1%-17.5pp |
| Annual return | 45.05% | 27.49%+17.6pp | 70.43%-25.4pp | 53.51%-8.5pp |
| Employer contribution / active EE | $1,952 | $3,417-42.9% | $4,593-57.5% | $2,552-23.5% |
| Participant deferral / active EE | $3,522 | $6,496-45.8% | $7,906-55.5% | $4,126-14.6% |
| Admin fee / account holder | $1,344 | $8,415-84.0% | $13,708-90.2% | $7,339-81.7% |