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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 | $16,906 | $81,487-79.3% | $102,412-83.5% | $80,935-79.1% |
| Participation rate | 50.0% | 66.8%-16.8pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 44.97% | 25.60%+19.4pp | 24.94%+20.0pp | 35.66%+9.3pp |
| Employer contribution / active EE | $1,312 | $3,103-57.7% | $3,870-66.1% | $2,757-52.4% |
| Participant deferral / active EE | $2,281 | $3,871-41.1% | $5,060-54.9% | $4,299-47.0% |
| Admin fee / account holder | $711 | $6,717-89.4% | $8,388-91.5% | $6,924-89.7% |