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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 | $13,939 | $101,752-86.3% | $164,928-91.5% | $80,911-82.8% |
| Participation rate | 35.1% | 71.8%-36.8pp | 78.6%-43.5pp | 67.6%-32.6pp |
| Annual return | 28.86% | 16.73%+12.1pp | 70.08%-41.2pp | 35.63%-6.8pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,293 | $4,477-4.1% | $6,034-28.8% | $4,297-0.1% |
| Admin fee / account holder | $6,582 | $8,218-19.9% | $12,684-48.1% | $6,935-5.1% |