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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 | $25,695 | $80,983-68.3% | $96,544-73.4% | $75,177-65.8% |
| Participation rate | 67.9% | 71.8%-3.9pp | 76.0%-8.1pp | 67.2%+0.7pp |
| Annual return | 13.58% | 27.05%-13.5pp | 25.88%-12.3pp | 160.75%-147.2pp |
| Employer contribution / active EE | $887 | $2,282-61.2% | $2,966-70.1% | $2,671-66.8% |
| Participant deferral / active EE | $2,432 | $3,929-38.1% | $4,851-49.9% | $4,126-41.1% |
| Admin fee / account holder | $1,634 | $6,717-75.7% | $8,254-80.2% | $5,651-71.1% |