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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 | $9,516 | $66,764-85.7% | $88,497-89.2% | $62,881-84.9% |
| Participation rate | 61.5% | 77.3%-15.7pp | 82.4%-20.9pp | 69.3%-7.8pp |
| Annual return | 9.57% | 10.37%-0.8pp | 7.63%+1.9pp | 20.14%-10.6pp |
| Employer contribution / active EE | $1,504 | $3,077-51.1% | $4,036-62.7% | $2,281-34.1% |
| Participant deferral / active EE | $1,977 | $3,976-50.3% | $4,899-59.7% | $3,203-38.3% |
| Admin fee / account holder | $413 | $4,668-91.2% | $6,220-93.4% | $4,296-90.4% |