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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 | $15,107 | $101,798-85.2% | $165,071-90.8% | $80,935-81.3% |
| Participation rate | 50.9% | 71.8%-20.9pp | 78.6%-27.7pp | 67.7%-16.7pp |
| Annual return | 14.10% | 16.73%-2.6pp | 70.17%-56.1pp | 35.66%-21.6pp |
| Employer contribution / active EE | $1,411 | $2,954-52.2% | $4,347-67.5% | $2,757-48.8% |
| Participant deferral / active EE | $2,591 | $4,476-42.1% | $6,035-57.1% | $4,299-39.7% |
| Admin fee / account holder | $1,489 | $8,221-81.9% | $12,695-88.3% | $6,924-78.5% |