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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 | $27,095 | $86,949-68.8% | $102,460-73.6% | $80,959-66.5% |
| Participation rate | 48.1% | 72.4%-24.3pp | 76.5%-28.5pp | 67.7%-19.6pp |
| Annual return | 26.26% | 18.89%+7.4pp | 29.47%-3.2pp | 35.67%-9.4pp |
| Employer contribution / active EE | $1,553 | $2,370-34.5% | $3,025-48.7% | $2,757-43.7% |
| Participant deferral / active EE | $3,177 | $4,121-22.9% | $5,056-37.2% | $4,300-26.1% |
| Admin fee / account holder | $1,466 | $8,048-81.8% | $9,460-84.5% | $6,925-78.8% |