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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 | $15,499 | $80,781-80.8% | $102,437-84.9% | $74,478-79.2% |
| Participation rate | 38.7% | 65.7%-27.0pp | 74.5%-35.8pp | 67.2%-28.5pp |
| Annual return | 13.63% | 27.58%-13.9pp | 24.95%-11.3pp | 1370.56%-1356.9pp |
| Employer contribution / active EE | $1,254 | $3,160-60.3% | $3,871-67.6% | $2,626-52.3% |
| Participant deferral / active EE | $1,780 | $3,862-53.9% | $5,060-64.8% | $4,350-59.1% |
| Admin fee / account holder | $1,880 | $2,372-20.8% | $8,388-77.6% | $1,946-3.4% |