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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 | $5,182 | $48,337-89.3% | $67,560-92.3% | $80,959-93.6% |
| Participation rate | 37.5% | 66.4%-28.9pp | 72.9%-35.4pp | 67.7%-30.2pp |
| Annual return | 14.17% | 18.26%-4.1pp | 3533.50%-3519.3pp | 35.67%-21.5pp |
| Employer contribution / active EE | $1,249 | $2,023-38.3% | $2,737-54.4% | $2,757-54.7% |
| Participant deferral / active EE | $969 | $2,928-66.9% | $4,004-75.8% | $4,300-77.5% |
| Admin fee / account holder | $2,249 | $3,695-39.1% | $3,994-43.7% | $6,925-67.5% |