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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 | $10,376 | $174,379-94.1% | $152,093-93.2% | $138,895-92.5% |
| Participation rate | 44.4% | 81.6%-37.2pp | 77.8%-33.3pp | 79.9%-35.5pp |
| Annual return | 18.46% | 74.86%-56.4pp | 66.36%-47.9pp | 145.39%-126.9pp |
| Employer contribution / active EE | $1,478 | $4,652-68.2% | $4,175-64.6% | $4,194-64.8% |
| Participant deferral / active EE | $2,829 | $6,159-54.1% | $5,451-48.1% | $6,396-55.8% |
| Admin fee / account holder | $1,531 | $16,880-90.9% | $14,497-89.4% | $12,562-87.8% |