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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 | $13,368 | $88,672-84.9% | $105,223-87.3% | $82,448-83.8% |
| Participation rate | 46.4% | 67.9%-21.5pp | 75.0%-28.6pp | 68.1%-21.6pp |
| Annual return | 17.40% | 30.86%-13.5pp | 180.65%-163.2pp | 41.64%-24.2pp |
| Employer contribution / active EE | $1,241 | $3,048-59.3% | $3,689-66.4% | $2,551-51.4% |
| Participant deferral / active EE | $2,825 | $4,036-30.0% | $5,072-44.3% | $4,139-31.8% |
| Admin fee / account holder | $1,370 | $7,146-80.8% | $8,859-84.5% | $7,234-81.1% |