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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 | $12,553 | $58,264-78.5% | $86,617-85.5% | $71,495-82.4% |
| Participation rate | 24.8% | 65.0%-40.2pp | 71.7%-46.9pp | 67.9%-43.1pp |
| Annual return | 25.35% | 21.63%+3.7pp | 591.91%-566.6pp | 28.85%-3.5pp |
| Employer contribution / active EE | $548 | $2,574-78.7% | $3,023-81.9% | $2,589-78.8% |
| Participant deferral / active EE | $1,207 | $3,436-64.9% | $4,437-72.8% | $4,291-71.9% |
| Admin fee / account holder | $619 | $1,057-41.5% | $5,613-89.0% | $1,588-61.0% |