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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 | $24,076 | $76,669-68.6% | $96,520-75.1% | $71,495-66.3% |
| Participation rate | 59.2% | 66.6%-7.3pp | 74.3%-15.1pp | 67.9%-8.7pp |
| Annual return | 30.88% | 48.29%-17.4pp | 35.72%-4.8pp | 28.85%+2.0pp |
| Employer contribution / active EE | $1,795 | $3,031-40.8% | $3,739-52.0% | $2,589-30.7% |
| Participant deferral / active EE | $2,766 | $3,771-26.7% | $4,879-43.3% | $4,291-35.5% |
| Admin fee / account holder | $2,978 | $2,028+46.8% | $6,733-55.8% | $1,588+87.6% |