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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 | $15,998 | $64,734-75.3% | $90,796-82.4% | $64,097-75.0% |
| Participation rate | 25.5% | 53.2%-27.7pp | 69.5%-44.0pp | 55.2%-29.7pp |
| Annual return | 22.66% | 17.77%+4.9pp | 19.29%+3.4pp | 34.64%-12.0pp |
| Employer contribution / active EE | $567 | $1,703-66.7% | $2,294-75.3% | $1,891-70.0% |
| Participant deferral / active EE | $1,167 | $2,629-55.6% | $3,822-69.5% | $3,080-62.1% |
| Admin fee / account holder | $5,004 | $3,474+44.0% | $7,024-28.8% | $3,454+44.8% |