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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 | $12,630 | $46,877-73.1% | $122,354-89.7% | $70,124-82.0% |
| Participation rate | 31.9% | 58.2%-26.3pp | 71.6%-39.7pp | 69.5%-37.6pp |
| Annual return | 15.03% | 24.22%-9.2pp | 30.28%-15.2pp | 73.14%-58.1pp |
| Employer contribution / active EE | $296 | $1,288-77.0% | $4,051-92.7% | $2,342-87.4% |
| Participant deferral / active EE | $828 | $2,167-61.8% | $3,287-74.8% | $3,332-75.1% |
| Admin fee / account holder | $1,020 | $3,324-69.3% | $5,479-81.4% | $4,645-78.0% |