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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 | $29,646 | $86,949-65.9% | $102,460-71.1% | $80,959-63.4% |
| Participation rate | 58.1% | 72.4%-14.2pp | 76.5%-18.4pp | 67.7%-9.5pp |
| Annual return | 11.42% | 18.89%-7.5pp | 29.47%-18.1pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,418 | $2,370-40.2% | $3,025-53.1% | $2,757-48.6% |
| Participant deferral / active EE | $3,265 | $4,121-20.8% | $5,056-35.4% | $4,300-24.1% |
| Admin fee / account holder | $2,217 | $8,048-72.4% | $9,460-76.6% | $6,925-68.0% |