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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 | $20,751 | $136,860-84.8% | $120,344-82.8% | $154,746-86.6% |
| Participation rate | 57.1% | 79.9%-22.7pp | 76.7%-19.6pp | 80.7%-23.6pp |
| Annual return | 25.99% | 21.38%+4.6pp | 20.30%+5.7pp | 172.34%-146.3pp |
| Employer contribution / active EE | $1,611 | $3,533-54.4% | $3,020-46.7% | $4,379-63.2% |
| Participant deferral / active EE | $2,579 | $5,793-55.5% | $5,135-49.8% | $6,730-61.7% |
| Admin fee / account holder | $491 | $15,393-96.8% | $12,742-96.1% | $14,365-96.6% |