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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 | $36,981 | $138,386-73.3% | $184,260-79.9% | $80,935-54.3% |
| Participation rate | 67.3% | 83.9%-16.6pp | 86.8%-19.6pp | 67.7%-0.4pp |
| Annual return | 16.38% | 20.02%-3.6pp | 28.84%-12.5pp | 35.66%-19.3pp |
| Employer contribution / active EE | $1,552 | $4,851-68.0% | $6,427-75.8% | $2,757-43.7% |
| Participant deferral / active EE | $3,625 | $7,076-48.8% | $9,133-60.3% | $4,299-15.7% |
| Admin fee / account holder | $1,050 | $10,489-90.0% | $13,898-92.4% | $6,924-84.8% |