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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 | $13,948 | $117,846-88.2% | $102,434-86.4% | $145,884-90.4% |
| Participation rate | 64.7% | 78.6%-13.9pp | 76.5%-11.8pp | 80.3%-15.6pp |
| Annual return | 8.88% | 31.90%-23.0pp | 29.46%-20.6pp | 551.85%-543.0pp |
| Employer contribution / active EE | $1,775 | $3,615-50.9% | $3,023-41.3% | $4,662-61.9% |
| Participant deferral / active EE | $5,105 | $5,733-11.0% | $5,055+1.0% | $6,690-23.7% |
| Admin fee / account holder | $3,166 | $13,356-76.3% | $9,462-66.5% | $13,392-76.4% |