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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 | $10,849 | $81,476-86.7% | $102,383-89.4% | $80,925-86.6% |
| Participation rate | 69.6% | 66.8%+2.7pp | 74.5%-4.9pp | 67.7%+1.9pp |
| Annual return | 12.61% | 25.59%-13.0pp | 24.94%-12.3pp | 35.65%-23.0pp |
| Employer contribution / active EE | $928 | $3,105-70.1% | $3,870-76.0% | $2,756-66.3% |
| Participant deferral / active EE | $2,230 | $3,871-42.4% | $5,060-55.9% | $4,299-48.1% |
| Admin fee / account holder | $1,178 | $6,717-82.5% | $8,391-86.0% | $6,940-83.0% |