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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 | $20,872 | $81,476-74.4% | $102,383-79.6% | $80,925-74.2% |
| Participation rate | 65.8% | 66.8%-1.1pp | 74.5%-8.8pp | 67.7%-1.9pp |
| Annual return | 27.15% | 25.59%+1.6pp | 24.94%+2.2pp | 35.65%-8.5pp |
| Employer contribution / active EE | $2,874 | $3,105-7.4% | $3,870-25.7% | $2,756+4.3% |
| Participant deferral / active EE | $4,438 | $3,871+14.7% | $5,060-12.3% | $4,299+3.2% |
| Admin fee / account holder | $1,993 | $6,717-70.3% | $8,391-76.2% | $6,940-71.3% |