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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 | $14,018 | $102,429-86.3% | $147,096-90.5% | $80,925-82.7% |
| Participation rate | 60.9% | 75.9%-14.9pp | 82.2%-21.2pp | 67.7%-6.7pp |
| Annual return | 28.71% | 135.02%-106.3pp | 419.75%-391.0pp | 35.65%-6.9pp |
| Employer contribution / active EE | $2,776 | $3,716-25.3% | $4,936-43.8% | $2,756+0.7% |
| Participant deferral / active EE | $4,033 | $6,649-39.3% | $8,071-50.0% | $4,299-6.2% |
| Admin fee / account holder | $935 | $7,957-88.2% | $13,005-92.8% | $6,940-86.5% |