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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 | $10,403 | $56,894-81.7% | $84,753-87.7% | $62,881-83.5% |
| Participation rate | 56.5% | 68.5%-12.0pp | 76.6%-20.1pp | 69.3%-12.8pp |
| Annual return | 12.70% | 6.30%+6.4pp | 22.78%-10.1pp | 20.14%-7.4pp |
| Employer contribution / active EE | $1,279 | $2,400-46.7% | $3,574-64.2% | $2,281-43.9% |
| Participant deferral / active EE | $2,075 | $2,709-23.4% | $3,712-44.1% | $3,203-35.2% |
| Admin fee / account holder | $944 | $3,581-73.6% | $5,333-82.3% | $4,296-78.0% |