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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 | $15,192 | $83,485-81.8% | $125,192-87.9% | $72,975-79.2% |
| Participation rate | 68.3% | 73.3%-5.0pp | 79.8%-11.5pp | 69.5%-1.2pp |
| Annual return | 35.75% | 25.77%+10.0pp | 43.79%-8.0pp | 81.01%-45.3pp |
| Employer contribution / active EE | $958 | $2,346-59.2% | $3,866-75.2% | $2,440-60.8% |
| Participant deferral / active EE | $1,731 | $3,586-51.7% | $4,937-64.9% | $3,608-52.0% |
| Admin fee / account holder | $596 | $5,518-89.2% | $9,704-93.9% | $5,124-88.4% |