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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 | $9,951 | $73,988-86.6% | $96,538-89.7% | $75,177-86.8% |
| Participation rate | 59.4% | 66.4%-7.1pp | 74.3%-15.0pp | 67.2%-7.8pp |
| Annual return | 21.22% | 26.73%-5.5pp | 35.74%-14.5pp | 160.75%-139.5pp |
| Employer contribution / active EE | $952 | $2,930-67.5% | $3,740-74.5% | $2,671-64.4% |
| Participant deferral / active EE | $2,277 | $3,660-37.8% | $4,880-53.3% | $4,126-44.8% |
| Admin fee / account holder | $1,503 | $5,220-71.2% | $6,737-77.7% | $5,651-73.4% |