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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 | $34,373 | $95,904-64.2% | $173,730-80.2% | $64,340-46.6% |
| Participation rate | 31.4% | 60.6%-29.3pp | 79.6%-48.2pp | 55.2%-23.9pp |
| Annual return | 16.17% | 17.47%-1.3pp | 19.96%-3.8pp | 24.14%-8.0pp |
| Employer contribution / active EE | $683 | $2,323-70.6% | $4,577-85.1% | $1,862-63.3% |
| Participant deferral / active EE | $1,485 | $3,488-57.4% | $6,326-76.5% | $2,980-50.2% |
| Admin fee / account holder | $1,686 | $5,089-66.9% | $17,523-90.4% | $3,703-54.5% |