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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 | $16,779 | $62,672-73.2% | $185,117-90.9% | $70,126-76.1% |
| Participation rate | 67.7% | 63.8%+3.9pp | 77.3%-9.6pp | 69.5%-1.8pp |
| Annual return | 37.96% | 40.79%-2.8pp | 40.50%-2.5pp | 73.15%-35.2pp |
| Employer contribution / active EE | $1,546 | $1,753-11.8% | $4,182-63.0% | $2,343-34.0% |
| Participant deferral / active EE | $2,855 | $3,272-12.7% | $5,045-43.4% | $3,332-14.3% |
| Admin fee / account holder | $350 | $3,932-91.1% | $8,159-95.7% | $4,645-92.5% |