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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 | $5,394 | $63,773-91.5% | $81,286-93.4% | $80,925-93.3% |
| Participation rate | 63.0% | 63.9%-0.9pp | 69.5%-6.5pp | 67.7%-4.6pp |
| Annual return | 11.66% | 16.37%-4.7pp | 24.80%-13.1pp | 35.65%-24.0pp |
| Employer contribution / active EE | $1,108 | $1,979-44.0% | $2,463-55.0% | $2,756-59.8% |
| Participant deferral / active EE | $1,778 | $3,093-42.5% | $3,883-54.2% | $4,299-58.6% |
| Admin fee / account holder | $1,655 | $5,682-70.9% | $5,764-71.3% | $6,940-76.1% |