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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 | $16,607 | $93,057-82.2% | $153,500-89.2% | $80,925-79.5% |
| Participation rate | 58.5% | 69.0%-10.4pp | 77.1%-18.6pp | 67.7%-9.1pp |
| Annual return | 11.73% | 19.96%-8.2pp | 15.70%-4.0pp | 35.65%-23.9pp |
| Employer contribution / active EE | $1,299 | $3,507-63.0% | $5,039-74.2% | $2,756-52.9% |
| Participant deferral / active EE | $3,028 | $5,179-41.5% | $6,756-55.2% | $4,299-29.6% |
| Admin fee / account holder | $639 | $8,885-92.8% | $12,736-95.0% | $6,940-90.8% |