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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 | $13,009 | $69,444-81.3% | $92,985-86.0% | $87,485-85.1% |
| Participation rate | 68.0% | 63.3%+4.7pp | 69.5%-1.5pp | 68.9%-0.9pp |
| Annual return | 14.71% | 23.85%-9.1pp | 27.99%-13.3pp | 26.06%-11.3pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,611 | $3,364-22.4% | $4,377-40.3% | $4,274-38.9% |
| Admin fee / account holder | $3,107 | $6,137-49.4% | $9,463-67.2% | $7,775-60.0% |