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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 | $20,696 | $65,027-68.2% | $90,970-77.2% | $79,852-74.1% |
| Participation rate | 27.4% | 61.6%-34.2pp | 69.0%-41.6pp | 69.6%-42.2pp |
| Annual return | 14.41% | 30.45%-16.0pp | 134.58%-120.2pp | 31.72%-17.3pp |
| Employer contribution / active EE | $578 | $1,247-53.7% | $2,122-72.8% | $2,471-76.6% |
| Participant deferral / active EE | $1,254 | $2,512-50.1% | $3,373-62.8% | $3,740-66.5% |
| Admin fee / account holder | $2,876 | $4,535-36.6% | $5,960-51.7% | $5,306-45.8% |