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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 | $25,302 | $81,208-68.8% | $98,920-74.4% | $79,852-68.3% |
| Participation rate | 28.9% | 72.5%-43.6pp | 76.0%-47.2pp | 69.6%-40.8pp |
| Annual return | 14.28% | 60.99%-46.7pp | 196.47%-182.2pp | 31.72%-17.4pp |
| Employer contribution / active EE | $796 | $1,960-59.4% | $2,689-70.4% | $2,471-67.8% |
| Participant deferral / active EE | $1,580 | $3,265-51.6% | $4,245-62.8% | $3,740-57.8% |
| Admin fee / account holder | $1,521 | $6,013-74.7% | $6,643-77.1% | $5,306-71.3% |