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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 | $18,860 | $88,672-78.7% | $105,223-82.1% | $82,448-77.1% |
| Participation rate | 37.8% | 67.9%-30.2pp | 75.0%-37.3pp | 68.1%-30.3pp |
| Annual return | 22.68% | 30.86%-8.2pp | 180.65%-158.0pp | 41.64%-19.0pp |
| Employer contribution / active EE | $1,935 | $3,048-36.5% | $3,689-47.5% | $2,551-24.1% |
| Participant deferral / active EE | $3,060 | $4,036-24.2% | $5,072-39.7% | $4,139-26.1% |
| Admin fee / account holder | $3,242 | $7,146-54.6% | $8,859-63.4% | $7,234-55.2% |