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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 | $18,239 | $48,364-62.3% | $71,796-74.6% | $62,881-71.0% |
| Participation rate | 41.9% | 60.6%-18.7pp | 69.1%-27.2pp | 69.3%-27.4pp |
| Annual return | 9.73% | 13.16%-3.4pp | 78.04%-68.3pp | 20.14%-10.4pp |
| Employer contribution / active EE | $634 | $1,042-39.2% | $1,924-67.1% | $2,281-72.2% |
| Participant deferral / active EE | $2,400 | $2,091+14.8% | $2,794-14.1% | $3,203-25.1% |
| Admin fee / account holder | $3,926 | $3,771+4.1% | $4,815-18.5% | $4,296-8.6% |