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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 | $24,422 | $80,781-69.8% | $102,437-76.2% | $74,478-67.2% |
| Participation rate | 36.2% | 65.7%-29.5pp | 74.5%-38.4pp | 67.2%-31.1pp |
| Annual return | 23.59% | 27.58%-4.0pp | 24.95%-1.4pp | 1370.56%-1347.0pp |
| Employer contribution / active EE | $973 | $3,160-69.2% | $3,871-74.9% | $2,626-63.0% |
| Participant deferral / active EE | $1,724 | $3,862-55.4% | $5,060-65.9% | $4,350-60.4% |
| Admin fee / account holder | $3,067 | $2,372+29.3% | $8,388-63.4% | $1,946+57.6% |