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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 | $14,691 | $71,208-79.4% | $93,681-84.3% | $80,911-81.8% |
| Participation rate | 57.7% | 60.4%-2.7pp | 68.7%-11.0pp | 67.6%-10.0pp |
| Annual return | 17.14% | 11.27%+5.9pp | 133.47%-116.3pp | 35.63%-18.5pp |
| Employer contribution / active EE | $698 | $1,564-55.4% | $2,422-71.2% | $2,756-74.7% |
| Participant deferral / active EE | $1,606 | $4,035-60.2% | $4,415-63.6% | $4,297-62.6% |
| Admin fee / account holder | $862 | $6,951-87.6% | $8,290-89.6% | $6,935-87.6% |