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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 | $20,937 | $201,370-89.6% | $184,256-88.6% | $145,897-85.6% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 20.07% | 29.05%-9.0pp | 28.85%-8.8pp | 552.29%-532.2pp |
| Employer contribution / active EE | $1,712 | $7,024-75.6% | $6,427-73.4% | $4,663-63.3% |
| Participant deferral / active EE | $4,165 | $9,808-57.5% | $9,133-54.4% | $6,689-37.7% |
| Admin fee / account holder | $1,112 | $16,364-93.2% | $13,899-92.0% | $13,390-91.7% |