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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 | $7,140 | $77,962-90.8% | $178,540-96.0% | $80,935-91.2% |
| Participation rate | 52.3% | 65.7%-13.4pp | 77.1%-24.8pp | 67.7%-15.4pp |
| Annual return | 14.64% | 18.10%-3.5pp | 27.15%-12.5pp | 35.66%-21.0pp |
| Employer contribution / active EE | $1,495 | $2,280-34.4% | $3,953-62.2% | $2,757-45.8% |
| Participant deferral / active EE | $2,121 | $4,404-51.8% | $6,281-66.2% | $4,299-50.7% |
| Admin fee / account holder | $1,997 | $7,156-72.1% | $10,424-80.8% | $6,924-71.2% |