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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 | $20,064 | $95,404-79.0% | $113,397-82.3% | $82,637-75.7% |
| Participation rate | 52.2% | 72.8%-20.6pp | 76.5%-24.3pp | 68.1%-15.9pp |
| Annual return | 21.46% | 19.08%+2.4pp | 23.20%-1.7pp | 53.51%-32.1pp |
| Employer contribution / active EE | $1,387 | $2,307-39.9% | $2,977-53.4% | $2,552-45.6% |
| Participant deferral / active EE | $1,961 | $4,220-53.5% | $5,076-61.4% | $4,126-52.5% |
| Admin fee / account holder | $689 | $9,168-92.5% | $11,957-94.2% | $7,339-90.6% |