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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 | $28,292 | $83,485-66.1% | $125,180-77.4% | $72,983-61.2% |
| Participation rate | 45.2% | 73.3%-28.1pp | 79.8%-34.6pp | 69.5%-24.3pp |
| Annual return | 23.43% | 25.78%-2.3pp | 43.79%-20.4pp | 81.01%-57.6pp |
| Employer contribution / active EE | $1,032 | $2,346-56.0% | $3,866-73.3% | $2,440-57.7% |
| Participant deferral / active EE | $3,648 | $3,586+1.7% | $4,937-26.1% | $3,608+1.1% |
| Admin fee / account holder | $1,219 | $5,518-77.9% | $9,703-87.4% | $5,124-76.2% |