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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 | $18,329 | $93,617-80.4% | $135,982-86.5% | $75,177-75.6% |
| Participation rate | 52.5% | 75.2%-22.7pp | 81.9%-29.4pp | 67.2%-14.7pp |
| Annual return | 39.29% | 30.89%+8.4pp | 68.32%-29.0pp | 160.75%-121.5pp |
| Employer contribution / active EE | $852 | $3,538-75.9% | $4,859-82.5% | $2,671-68.1% |
| Participant deferral / active EE | $3,970 | $6,406-38.0% | $7,760-48.8% | $4,126-3.8% |
| Admin fee / account holder | $2,945 | $6,980-57.8% | $10,767-72.6% | $5,651-47.9% |