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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 | $11,924 | $65,395-81.8% | $182,540-93.5% | $72,975-83.7% |
| Participation rate | 55.8% | 65.4%-9.7pp | 78.0%-22.2pp | 69.5%-13.7pp |
| Annual return | 20.25% | 27.68%-7.4pp | 148.58%-128.3pp | 81.01%-60.8pp |
| Employer contribution / active EE | $1,496 | $1,911-21.7% | $4,076-63.3% | $2,440-38.7% |
| Participant deferral / active EE | $1,965 | $3,563-44.9% | $5,525-64.4% | $3,608-45.5% |
| Admin fee / account holder | $1,194 | $4,245-71.9% | $8,593-86.1% | $5,124-76.7% |