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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 | $16,337 | $76,696-78.7% | $96,538-83.1% | $71,529-77.2% |
| Participation rate | 38.9% | 66.6%-27.7pp | 74.3%-35.5pp | 67.9%-29.0pp |
| Annual return | 30.34% | 48.32%-18.0pp | 35.74%-5.4pp | 28.97%+1.4pp |
| Employer contribution / active EE | $1,052 | $3,032-65.3% | $3,740-71.9% | $2,590-59.4% |
| Participant deferral / active EE | $2,276 | $3,770-39.6% | $4,880-53.4% | $4,291-47.0% |
| Admin fee / account holder | $613 | $2,030-69.8% | $6,737-90.9% | $1,588-61.4% |