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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 | $20,512 | $78,707-73.9% | $117,861-82.6% | $70,126-70.7% |
| Participation rate | 65.3% | 73.2%-7.9pp | 79.7%-14.4pp | 69.5%-4.2pp |
| Annual return | 15.78% | 23.30%-7.5pp | 335.11%-319.3pp | 73.15%-57.4pp |
| Employer contribution / active EE | $1,319 | $2,223-40.7% | $3,786-65.2% | $2,343-43.7% |
| Participant deferral / active EE | $1,692 | $3,297-48.7% | $4,482-62.2% | $3,332-49.2% |
| Admin fee / account holder | $473 | $5,066-90.7% | $8,021-94.1% | $4,645-89.8% |