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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 | $19,714 | $95,904-79.4% | $173,730-88.7% | $64,340-69.4% |
| Participation rate | 69.1% | 60.6%+8.5pp | 79.6%-10.5pp | 55.2%+13.8pp |
| Annual return | 16.63% | 17.47%-0.8pp | 19.96%-3.3pp | 24.14%-7.5pp |
| Employer contribution / active EE | $842 | $2,323-63.7% | $4,577-81.6% | $1,862-54.8% |
| Participant deferral / active EE | $1,998 | $3,488-42.7% | $6,326-68.4% | $2,980-33.0% |
| Admin fee / account holder | $2,769 | $5,089-45.6% | $17,523-84.2% | $3,703-25.2% |