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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 | $20,707 | $95,453-78.3% | $112,040-81.5% | $82,448-74.9% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 19.91% | 23.92%-4.0pp | 24.52%-4.6pp | 41.64%-21.7pp |
| Employer contribution / active EE | $1,137 | $2,318-50.9% | $2,954-61.5% | $2,551-55.4% |
| Participant deferral / active EE | $2,956 | $4,224-30.0% | $5,098-42.0% | $4,139-28.6% |
| Admin fee / account holder | $641 | $9,013-92.9% | $12,098-94.7% | $7,234-91.1% |