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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 | $28,611 | $91,559-68.8% | $133,971-78.6% | $79,852-64.2% |
| Participation rate | 39.3% | 73.3%-34.1pp | 79.8%-40.6pp | 69.6%-30.4pp |
| Annual return | 13.86% | 61.85%-48.0pp | 45.09%-31.2pp | 31.72%-17.9pp |
| Employer contribution / active EE | $1,002 | $2,384-58.0% | $3,919-74.4% | $2,471-59.5% |
| Participant deferral / active EE | $2,581 | $3,734-30.9% | $5,047-48.9% | $3,740-31.0% |
| Admin fee / account holder | $600 | $6,321-90.5% | $8,929-93.3% | $5,306-88.7% |