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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 | $12,507 | $56,544-77.9% | $75,501-83.4% | $70,126-82.2% |
| Participation rate | 43.8% | 68.1%-24.4pp | 72.4%-28.6pp | 69.5%-25.8pp |
| Annual return | 16.52% | 23.59%-7.1pp | 27.35%-10.8pp | 73.15%-56.6pp |
| Employer contribution / active EE | $916 | $1,817-49.6% | $2,352-61.0% | $2,343-60.9% |
| Participant deferral / active EE | $1,880 | $2,580-27.1% | $3,142-40.2% | $3,332-43.6% |
| Admin fee / account holder | $1,699 | $3,827-55.6% | $5,801-70.7% | $4,645-63.4% |