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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 | $24,228 | $80,748-70.0% | $102,383-76.3% | $74,429-67.4% |
| Participation rate | 46.2% | 65.7%-19.5pp | 74.5%-28.3pp | 67.2%-21.0pp |
| Annual return | 15.43% | 27.57%-12.1pp | 24.94%-9.5pp | 1368.38%-1353.0pp |
| Employer contribution / active EE | $1,244 | $3,159-60.6% | $3,870-67.9% | $2,625-52.6% |
| Participant deferral / active EE | $2,032 | $3,861-47.4% | $5,060-59.8% | $4,348-53.3% |
| Admin fee / account holder | $2,439 | $2,371+2.9% | $8,391-70.9% | $1,944+25.5% |