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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 | $8,833 | $45,087-80.4% | $69,483-87.3% | $72,976-87.9% |
| Participation rate | 46.8% | 68.5%-21.7pp | 74.6%-27.8pp | 69.5%-22.7pp |
| Annual return | 23.29% | 22.67%+0.6pp | 28.99%-5.7pp | 81.02%-57.7pp |
| Employer contribution / active EE | $0 | $2,055-100.0% | $2,780-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,237 | $2,603-52.5% | $3,537-65.0% | $3,608-65.7% |
| Admin fee / account holder | $342 | $3,057-88.8% | $3,841-91.1% | $5,124-93.3% |