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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 | $28,814 | $138,393-79.2% | $184,256-84.4% | $80,959-64.4% |
| Participation rate | 64.0% | 83.9%-19.9pp | 86.8%-22.8pp | 67.7%-3.7pp |
| Annual return | 15.57% | 20.01%-4.4pp | 28.85%-13.3pp | 35.67%-20.1pp |
| Employer contribution / active EE | $11,076 | $4,847+128.5% | $6,427+72.3% | $2,757+301.7% |
| Participant deferral / active EE | $5,712 | $7,076-19.3% | $9,133-37.5% | $4,300+32.8% |
| Admin fee / account holder | $17,574 | $10,489+67.5% | $13,899+26.4% | $6,925+153.8% |