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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 | $11,264 | $71,526-84.3% | $98,450-88.6% | $71,495-84.2% |
| Participation rate | 38.8% | 72.7%-33.9pp | 75.2%-36.3pp | 67.9%-29.1pp |
| Annual return | 51.20% | 32.42%+18.8pp | 21.16%+30.0pp | 28.85%+22.3pp |
| Employer contribution / active EE | $1,230 | $2,400-48.8% | $3,049-59.7% | $2,589-52.5% |
| Participant deferral / active EE | $2,066 | $4,110-49.7% | $4,739-56.4% | $4,291-51.8% |
| Admin fee / account holder | $708 | $1,675-57.8% | $8,961-92.1% | $1,588-55.4% |