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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 | $6,047 | $80,731-92.5% | $103,374-94.2% | $74,546-91.9% |
| Participation rate | 43.3% | 65.7%-22.4pp | 74.5%-31.2pp | 67.2%-23.9pp |
| Annual return | 18.61% | 27.56%-9.0pp | 24.89%-6.3pp | 1366.03%-1347.4pp |
| Employer contribution / active EE | $1,187 | $3,158-62.4% | $3,869-69.3% | $2,624-54.8% |
| Participant deferral / active EE | $1,696 | $3,860-56.1% | $5,058-66.5% | $4,347-61.0% |
| Admin fee / account holder | $1,256 | $2,369-47.0% | $8,394-85.0% | $1,944-35.4% |