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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 | $19,761 | $64,324-69.3% | $118,914-83.4% | $79,856-75.3% |
| Participation rate | 26.2% | 64.9%-38.7pp | 75.4%-49.2pp | 69.6%-43.5pp |
| Annual return | 29.58% | 86.45%-56.9pp | 35.89%-6.3pp | 31.71%-2.1pp |
| Employer contribution / active EE | $721 | $1,836-60.7% | $3,264-77.9% | $2,471-70.8% |
| Participant deferral / active EE | $1,275 | $2,824-54.8% | $4,266-70.1% | $3,741-65.9% |
| Admin fee / account holder | $909 | $4,040-77.5% | $6,582-86.2% | $5,306-82.9% |