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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 | $16,739 | $88,672-81.1% | $105,223-84.1% | $82,448-79.7% |
| Participation rate | 44.4% | 67.9%-23.5pp | 75.0%-30.6pp | 68.1%-23.6pp |
| Annual return | 21.30% | 30.86%-9.6pp | 180.65%-159.3pp | 41.64%-20.3pp |
| Employer contribution / active EE | $1,139 | $3,048-62.6% | $3,689-69.1% | $2,551-55.3% |
| Participant deferral / active EE | $2,406 | $4,036-40.4% | $5,072-52.6% | $4,139-41.9% |
| Admin fee / account holder | $3,786 | $7,146-47.0% | $8,859-57.3% | $7,234-47.7% |