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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 | $24,247 | $72,486-66.5% | $87,103-72.2% | $72,976-66.8% |
| Participation rate | 37.7% | 72.8%-35.1pp | 76.9%-39.1pp | 69.5%-31.8pp |
| Annual return | 23.02% | 24.46%-1.4pp | 28.19%-5.2pp | 81.02%-58.0pp |
| Employer contribution / active EE | $876 | $1,894-53.7% | $2,521-65.2% | $2,440-64.1% |
| Participant deferral / active EE | $1,588 | $3,270-51.4% | $4,049-60.8% | $3,608-56.0% |
| Admin fee / account holder | $517 | $5,055-89.8% | $7,491-93.1% | $5,124-89.9% |