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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 | $10,162 | $54,757-81.4% | $90,304-88.7% | $72,975-86.1% |
| Participation rate | 57.1% | 65.2%-8.0pp | 73.3%-16.1pp | 69.5%-12.3pp |
| Annual return | 19.97% | 30.63%-10.7pp | 78.13%-58.2pp | 81.01%-61.0pp |
| Employer contribution / active EE | $480 | $2,093-77.1% | $2,855-83.2% | $2,440-80.3% |
| Participant deferral / active EE | $1,660 | $2,887-42.5% | $3,885-57.3% | $3,608-54.0% |
| Admin fee / account holder | $2,923 | $3,973-26.4% | $5,354-45.4% | $5,124-43.0% |