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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 | $12,111 | $62,561-80.6% | $105,218-88.5% | $52,331-76.9% |
| Participation rate | 52.1% | 70.4%-18.3pp | 77.2%-25.2pp | 68.1%-16.0pp |
| Annual return | 27.51% | 8.71%+18.8pp | 5.33%+22.2pp | 4.54%+23.0pp |
| Employer contribution / active EE | $0 | $2,137-100.0% | $3,255-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $3,486 | $3,355+3.9% | $4,867-28.4% | $3,022+15.4% |
| Admin fee / account holder | $495 | $198+149.5% | $6,992-92.9% | $592-16.3% |