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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 | $18,528 | $115,931-84.0% | $185,441-90.0% | $86,983-78.7% |
| Participation rate | 28.1% | 73.6%-45.5pp | 80.3%-52.1pp | 69.5%-41.4pp |
| Annual return | 18.25% | 21.47%-3.2pp | 20.16%-1.9pp | 25.83%-7.6pp |
| Employer contribution / active EE | $967 | $2,937-67.1% | $4,672-79.3% | $2,584-62.6% |
| Participant deferral / active EE | $2,270 | $4,551-50.1% | $6,152-63.1% | $4,194-45.9% |
| Admin fee / account holder | $912 | $10,687-91.5% | $17,890-94.9% | $7,856-88.4% |