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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 | $23,131 | $86,341-73.2% | $125,195-81.5% | $65,186-64.5% |
| Participation rate | 54.9% | 75.3%-20.4pp | 79.8%-24.9pp | 70.2%-15.3pp |
| Annual return | 27.96% | 27.44%+0.5pp | 43.79%-15.8pp | 29.39%-1.4pp |
| Employer contribution / active EE | $1,426 | $2,040-30.1% | $3,866-63.1% | $2,177-34.5% |
| Participant deferral / active EE | $2,277 | $3,538-35.6% | $4,937-53.9% | $3,514-35.2% |
| Admin fee / account holder | $699 | $609+14.7% | $9,704-92.8% | $847-17.5% |