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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 | $19,639 | $73,988-73.5% | $96,538-79.7% | $75,177-73.9% |
| Participation rate | 32.6% | 66.4%-33.9pp | 74.3%-41.8pp | 67.2%-34.6pp |
| Annual return | 19.31% | 26.73%-7.4pp | 35.74%-16.4pp | 160.75%-141.4pp |
| Employer contribution / active EE | $925 | $2,930-68.4% | $3,740-75.3% | $2,671-65.4% |
| Participant deferral / active EE | $1,587 | $3,660-56.6% | $4,880-67.5% | $4,126-61.5% |
| Admin fee / account holder | $918 | $5,220-82.4% | $6,737-86.4% | $5,651-83.8% |