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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 | $5,285 | $61,356-91.4% | $149,696-96.5% | $71,511-92.6% |
| Participation rate | 35.0% | 62.5%-27.5pp | 78.8%-43.8pp | 67.9%-32.9pp |
| Annual return | 25.40% | 35.86%-10.5pp | 134.46%-109.1pp | 28.86%-3.5pp |
| Employer contribution / active EE | $366 | $2,382-84.6% | $4,821-92.4% | $2,589-85.8% |
| Participant deferral / active EE | $930 | $2,920-68.1% | $5,682-83.6% | $4,291-78.3% |
| Admin fee / account holder | $403 | $1,263-68.1% | $13,212-96.9% | $1,588-74.6% |