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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 | $21,771 | $135,956-84.0% | $123,894-82.4% | $273,972-92.1% |
| Participation rate | 63.6% | 84.1%-20.4pp | 81.4%-17.8pp | 83.0%-19.4pp |
| Annual return | 7.65% | 56.63%-49.0pp | 47.52%-39.9pp | 41.46%-33.8pp |
| Employer contribution / active EE | $1,600 | $5,170-69.1% | $4,617-65.3% | $4,869-67.1% |
| Participant deferral / active EE | $2,161 | $6,343-65.9% | $5,984-63.9% | $5,287-59.1% |
| Admin fee / account holder | $7,573 | $9,817-22.9% | $8,357-9.4% | $10,133-25.3% |