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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 | $19,394 | $89,259-78.3% | $107,187-81.9% | $82,637-76.5% |
| Participation rate | 43.3% | 67.9%-24.6pp | 75.0%-31.7pp | 68.1%-24.7pp |
| Annual return | 15.57% | 21.02%-5.5pp | 204.55%-189.0pp | 53.51%-37.9pp |
| Employer contribution / active EE | $991 | $3,080-67.8% | $3,782-73.8% | $2,552-61.2% |
| Participant deferral / active EE | $1,958 | $4,037-51.5% | $5,096-61.6% | $4,126-52.6% |
| Admin fee / account holder | $4,667 | $7,381-36.8% | $9,162-49.1% | $7,339-36.4% |