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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 | $8,715 | $91,194-90.4% | $178,486-95.1% | $79,860-89.1% |
| Participation rate | 30.9% | 69.2%-38.3pp | 81.9%-51.0pp | 69.6%-38.7pp |
| Annual return | 21.13% | 24.19%-3.1pp | 151.08%-129.9pp | 31.72%-10.6pp |
| Employer contribution / active EE | $2,235 | $3,256-31.4% | $5,011-55.4% | $2,471-9.5% |
| Participant deferral / active EE | $2,353 | $3,236-27.3% | $5,202-54.8% | $3,740-37.1% |
| Admin fee / account holder | $374 | $6,751-94.5% | $13,985-97.3% | $5,306-92.9% |