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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 | $13,792 | $58,851-76.6% | $115,167-88.0% | $72,976-81.1% |
| Participation rate | 52.6% | 65.5%-12.9pp | 75.9%-23.3pp | 69.5%-16.9pp |
| Annual return | 23.61% | 23.16%+0.4pp | 35.60%-12.0pp | 81.02%-57.4pp |
| Employer contribution / active EE | $1,103 | $1,798-38.6% | $3,179-65.3% | $2,440-54.8% |
| Participant deferral / active EE | $1,458 | $2,643-44.8% | $4,169-65.0% | $3,608-59.6% |
| Admin fee / account holder | $1,409 | $6,370-77.9% | $7,089-80.1% | $5,124-72.5% |