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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 | $34,048 | $167,415-79.7% | $140,514-75.8% | $198,609-82.9% |
| Participation rate | 63.6% | 80.9%-17.2pp | 77.8%-14.2pp | 82.4%-18.7pp |
| Annual return | 18.02% | 13.85%+4.2pp | 14.36%+3.7pp | 202.70%-184.7pp |
| Employer contribution / active EE | $1,601 | $4,088-60.8% | $3,378-52.6% | $5,055-68.3% |
| Participant deferral / active EE | $7,493 | $5,579+34.3% | $4,919+52.3% | $6,977+7.4% |
| Admin fee / account holder | $318 | $16,730-98.1% | $13,697-97.7% | $19,030-98.3% |