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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 | $20,825 | $98,776-78.9% | $149,745-86.1% | $79,856-73.9% |
| Participation rate | 68.9% | 75.8%-6.9pp | 82.5%-13.6pp | 69.6%-0.8pp |
| Annual return | 33.78% | 27.38%+6.4pp | 276.72%-242.9pp | 31.71%+2.1pp |
| Employer contribution / active EE | $1,666 | $3,217-48.2% | $4,646-64.1% | $2,471-32.6% |
| Participant deferral / active EE | $3,371 | $5,681-40.7% | $6,843-50.7% | $3,741-9.9% |
| Admin fee / account holder | $766 | $6,053-87.3% | $9,312-91.8% | $5,306-85.6% |