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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 | $14,090 | $69,977-79.9% | $108,582-87.0% | $62,881-77.6% |
| Participation rate | 55.1% | 72.9%-17.8pp | 79.6%-24.4pp | 69.3%-14.2pp |
| Annual return | 9.17% | 10.73%-1.6pp | -51.70%+60.9pp | 20.14%-11.0pp |
| Employer contribution / active EE | $1,136 | $2,135-46.8% | $3,758-69.8% | $2,281-50.2% |
| Participant deferral / active EE | $1,878 | $3,165-40.6% | $4,311-56.4% | $3,203-41.4% |
| Admin fee / account holder | $410 | $5,076-91.9% | $7,645-94.6% | $4,296-90.4% |