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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 | $14,361 | $71,230-79.8% | $93,727-84.7% | $80,959-82.3% |
| Participation rate | 52.0% | 60.4%-8.4pp | 68.7%-16.7pp | 67.7%-15.7pp |
| Annual return | 22.94% | 11.26%+11.7pp | 133.83%-110.9pp | 35.67%-12.7pp |
| Employer contribution / active EE | $1,091 | $1,565-30.3% | $2,421-54.9% | $2,757-60.4% |
| Participant deferral / active EE | $1,469 | $4,037-63.6% | $4,417-66.7% | $4,300-65.8% |
| Admin fee / account holder | $8,503 | $6,961+22.2% | $8,292+2.6% | $6,925+22.8% |