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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 | $14,065 | $63,365-77.8% | $91,994-84.7% | $72,975-80.7% |
| Participation rate | 51.4% | 72.5%-21.1pp | 78.6%-27.2pp | 69.5%-18.1pp |
| Annual return | 27.59% | 35.35%-7.8pp | 69.04%-41.5pp | 81.01%-53.4pp |
| Employer contribution / active EE | $774 | $2,116-63.4% | $3,453-77.6% | $2,440-68.3% |
| Participant deferral / active EE | $2,984 | $4,883-38.9% | $5,924-49.6% | $3,608-17.3% |
| Admin fee / account holder | $333 | $4,670-92.9% | $7,744-95.7% | $5,124-93.5% |