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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 | $12,908 | $45,022-71.3% | $85,126-84.8% | $77,714-83.4% |
| Participation rate | 17.0% | 48.7%-31.7pp | 67.5%-50.5pp | 70.6%-53.6pp |
| Annual return | 39.37% | 79.38%-40.0pp | 66.63%-27.3pp | 31.26%+8.1pp |
| Employer contribution / active EE | $433 | $1,610-73.1% | $2,731-84.2% | $2,727-84.1% |
| Participant deferral / active EE | $567 | $2,811-79.8% | $4,523-87.5% | $4,649-87.8% |
| Admin fee / account holder | $803 | $913-12.0% | $6,160-87.0% | $433+85.4% |