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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 | $17,604 | $73,787-76.1% | $98,716-82.2% | $82,448-78.6% |
| Participation rate | 55.3% | 61.4%-6.1pp | 69.3%-14.0pp | 68.1%-12.8pp |
| Annual return | 49.93% | 18.57%+31.4pp | 31.81%+18.1pp | 41.64%+8.3pp |
| Employer contribution / active EE | $1,539 | $1,511+1.9% | $2,279-32.4% | $2,551-39.7% |
| Participant deferral / active EE | $2,352 | $3,081-23.7% | $4,048-41.9% | $4,139-43.2% |
| Admin fee / account holder | $1,956 | $6,500-69.9% | $8,703-77.5% | $7,234-73.0% |