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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 | $4,327 | $81,358-94.7% | $155,556-97.2% | $80,959-94.7% |
| Participation rate | 50.0% | 66.3%-16.3pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 13.05% | 33.39%-20.3pp | 64.84%-51.8pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,575 | $3,106-49.3% | $4,675-66.3% | $2,757-42.9% |
| Participant deferral / active EE | $1,829 | $3,455-47.1% | $5,631-67.5% | $4,300-57.5% |
| Admin fee / account holder | $1,182 | $7,994-85.2% | $15,885-92.6% | $6,925-82.9% |