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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 | $13,294 | $71,197-81.3% | $93,669-85.8% | $80,925-83.6% |
| Participation rate | 39.0% | 60.4%-21.4pp | 68.7%-29.7pp | 67.7%-28.6pp |
| Annual return | 17.57% | 11.27%+6.3pp | 133.59%-116.0pp | 35.65%-18.1pp |
| Employer contribution / active EE | $706 | $1,565-54.9% | $2,424-70.9% | $2,756-74.4% |
| Participant deferral / active EE | $2,146 | $4,036-46.8% | $4,416-51.4% | $4,299-50.1% |
| Admin fee / account holder | $1,692 | $6,959-75.7% | $8,291-79.6% | $6,940-75.6% |