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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 | $18,746 | $101,752-81.6% | $164,928-88.6% | $80,911-76.8% |
| Participation rate | 57.1% | 71.8%-14.7pp | 78.6%-21.5pp | 67.6%-10.5pp |
| Annual return | 16.89% | 16.73%+0.2pp | 70.08%-53.2pp | 35.63%-18.7pp |
| Employer contribution / active EE | $1,484 | $2,953-49.8% | $4,343-65.8% | $2,756-46.2% |
| Participant deferral / active EE | $2,468 | $4,477-44.9% | $6,034-59.1% | $4,297-42.6% |
| Admin fee / account holder | $3,272 | $8,218-60.2% | $12,684-74.2% | $6,935-52.8% |