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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 | $17,503 | $91,559-80.9% | $133,978-86.9% | $79,856-78.1% |
| Participation rate | 64.9% | 73.3%-8.5pp | 79.8%-15.0pp | 69.6%-4.8pp |
| Annual return | 17.24% | 61.85%-44.6pp | 45.10%-27.9pp | 31.71%-14.5pp |
| Employer contribution / active EE | $1,329 | $2,384-44.3% | $3,919-66.1% | $2,471-46.2% |
| Participant deferral / active EE | $2,623 | $3,734-29.8% | $5,047-48.0% | $3,741-29.9% |
| Admin fee / account holder | $839 | $6,321-86.7% | $8,930-90.6% | $5,306-84.2% |