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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 | $12,994 | $78,027-83.3% | $178,528-92.7% | $80,925-83.9% |
| Participation rate | 65.5% | 65.7%-0.2pp | 77.1%-11.6pp | 67.7%-2.2pp |
| Annual return | 16.30% | 18.09%-1.8pp | 27.11%-10.8pp | 35.65%-19.4pp |
| Employer contribution / active EE | $1,716 | $2,281-24.8% | $3,950-56.6% | $2,756-37.7% |
| Participant deferral / active EE | $2,719 | $4,408-38.3% | $6,278-56.7% | $4,299-36.7% |
| Admin fee / account holder | $1,251 | $7,168-82.5% | $10,419-88.0% | $6,940-82.0% |