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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 | $14,106 | $88,672-84.1% | $105,223-86.6% | $82,448-82.9% |
| Participation rate | 60.0% | 67.9%-7.9pp | 75.0%-15.0pp | 68.1%-8.1pp |
| Annual return | 16.62% | 30.86%-14.2pp | 180.65%-164.0pp | 41.64%-25.0pp |
| Employer contribution / active EE | $868 | $3,048-71.5% | $3,689-76.5% | $2,551-66.0% |
| Participant deferral / active EE | $2,141 | $4,036-47.0% | $5,072-57.8% | $4,139-48.3% |
| Admin fee / account holder | $1,204 | $7,146-83.1% | $8,859-86.4% | $7,234-83.4% |