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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 | $18,266 | $96,731-81.1% | $123,973-85.3% | $86,983-79.0% |
| Participation rate | 48.0% | 70.0%-22.0pp | 76.7%-28.7pp | 69.5%-21.5pp |
| Annual return | 15.64% | 17.33%-1.7pp | 388.13%-372.5pp | 25.83%-10.2pp |
| Employer contribution / active EE | $1,312 | $3,297-60.2% | $4,126-68.2% | $2,584-49.2% |
| Participant deferral / active EE | $2,329 | $4,152-43.9% | $5,247-55.6% | $4,194-44.5% |
| Admin fee / account holder | $3,361 | $8,722-61.5% | $11,799-71.5% | $7,856-57.2% |