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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 | $24,587 | $87,059-71.8% | $105,608-76.7% | $80,925-69.6% |
| Participation rate | 55.3% | 70.4%-15.2pp | 75.3%-20.0pp | 67.7%-12.4pp |
| Annual return | 14.66% | 17.05%-2.4pp | 116.50%-101.8pp | 35.65%-21.0pp |
| Employer contribution / active EE | $1,780 | $2,396-25.7% | $3,167-43.8% | $2,756-35.4% |
| Participant deferral / active EE | $2,139 | $3,986-46.3% | $5,010-57.3% | $4,299-50.2% |
| Admin fee / account holder | $2,295 | $8,443-72.8% | $11,028-79.2% | $6,940-66.9% |