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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 | $18,685 | $106,749-82.5% | $145,433-87.2% | $82,448-77.3% |
| Participation rate | 40.0% | 75.6%-35.6pp | 82.1%-42.1pp | 68.1%-28.1pp |
| Annual return | 24.57% | 27.59%-3.0pp | 66.58%-42.0pp | 41.64%-17.1pp |
| Employer contribution / active EE | $735 | $3,444-78.7% | $4,554-83.9% | $2,551-71.2% |
| Participant deferral / active EE | $2,773 | $6,519-57.5% | $7,897-64.9% | $4,139-33.0% |
| Admin fee / account holder | $412 | $8,390-95.1% | $13,129-96.9% | $7,234-94.3% |