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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 | $13,222 | $77,962-83.0% | $178,540-92.6% | $80,935-83.7% |
| Participation rate | 27.8% | 65.7%-37.9pp | 77.1%-49.3pp | 67.7%-39.9pp |
| Annual return | 44.84% | 18.10%+26.7pp | 27.15%+17.7pp | 35.66%+9.2pp |
| Employer contribution / active EE | $884 | $2,280-61.2% | $3,953-77.6% | $2,757-67.9% |
| Participant deferral / active EE | $1,769 | $4,404-59.8% | $6,281-71.8% | $4,299-58.9% |
| Admin fee / account holder | $3,991 | $7,156-44.2% | $10,424-61.7% | $6,924-42.4% |