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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 | $10,008 | $78,027-87.2% | $178,528-94.4% | $80,925-87.6% |
| Participation rate | 69.7% | 65.7%+4.0pp | 77.1%-7.4pp | 67.7%+2.0pp |
| Annual return | 23.61% | 18.09%+5.5pp | 27.11%-3.5pp | 35.65%-12.0pp |
| Employer contribution / active EE | $1,087 | $2,281-52.4% | $3,950-72.5% | $2,756-60.6% |
| Participant deferral / active EE | $2,878 | $4,408-34.7% | $6,278-54.2% | $4,299-33.1% |
| Admin fee / account holder | $3,187 | $7,168-55.5% | $10,419-69.4% | $6,940-54.1% |