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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 | $20,857 | $64,909-67.9% | $82,312-74.7% | $62,293-66.5% |
| Participation rate | 58.9% | 74.9%-15.9pp | 76.9%-18.0pp | 69.5%-10.6pp |
| Annual return | 21.54% | 21.18%+0.4pp | 25.88%-4.3pp | 28.90%-7.4pp |
| Employer contribution / active EE | $1,411 | $1,676-15.8% | $2,428-41.9% | $2,042-30.9% |
| Participant deferral / active EE | $2,856 | $3,103-8.0% | $3,706-22.9% | $3,169-9.9% |
| Admin fee / account holder | $892 | $440+103.0% | $5,608-84.1% | $479+86.2% |