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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 | $20,980 | $60,349-65.2% | $74,184-71.7% | $62,881-66.6% |
| Participation rate | 46.4% | 72.7%-26.3pp | 76.6%-30.2pp | 69.3%-22.9pp |
| Annual return | 7.93% | 21.38%-13.4pp | 17.74%-9.8pp | 20.14%-12.2pp |
| Employer contribution / active EE | $409 | $1,680-75.6% | $2,370-82.7% | $2,281-82.1% |
| Participant deferral / active EE | $2,665 | $2,856-6.7% | $3,550-24.9% | $3,203-16.8% |
| Admin fee / account holder | $1,781 | $4,261-58.2% | $5,586-68.1% | $4,296-58.6% |