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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 | $27,252 | $94,031-71.0% | $115,768-76.5% | $82,448-66.9% |
| Participation rate | 59.1% | 70.4%-11.3pp | 74.4%-15.3pp | 68.1%-8.9pp |
| Annual return | 14.29% | 20.61%-6.3pp | 100.46%-86.2pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,626 | $2,323-30.0% | $2,940-44.7% | $2,551-36.3% |
| Participant deferral / active EE | $3,182 | $3,972-19.9% | $4,917-35.3% | $4,139-23.1% |
| Admin fee / account holder | $3,711 | $10,249-63.8% | $12,439-70.2% | $7,234-48.7% |