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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 | $26,109 | $83,485-68.7% | $125,180-79.1% | $72,983-64.2% |
| Participation rate | 57.9% | 73.3%-15.4pp | 79.8%-21.9pp | 69.5%-11.6pp |
| Annual return | 78.63% | 25.78%+52.9pp | 43.79%+34.8pp | 81.01%-2.4pp |
| Employer contribution / active EE | $1,484 | $2,346-36.7% | $3,866-61.6% | $2,440-39.2% |
| Participant deferral / active EE | $2,196 | $3,586-38.8% | $4,937-55.5% | $3,608-39.1% |
| Admin fee / account holder | $1,279 | $5,518-76.8% | $9,703-86.8% | $5,124-75.0% |