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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 | $39,825 | $138,385-71.2% | $184,243-78.4% | $80,925-50.8% |
| Participation rate | 65.4% | 83.9%-18.5pp | 86.8%-21.4pp | 67.7%-2.3pp |
| Annual return | 37.49% | 20.02%+17.5pp | 28.82%+8.7pp | 35.65%+1.8pp |
| Employer contribution / active EE | $3,449 | $4,851-28.9% | $6,427-46.3% | $2,756+25.1% |
| Participant deferral / active EE | $14,548 | $7,075+105.6% | $9,132+59.3% | $4,299+238.4% |
| Admin fee / account holder | $1,326 | $10,489-87.4% | $13,914-90.5% | $6,940-80.9% |