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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 | $13,535 | $60,788-77.7% | $85,709-84.2% | $79,391-83.0% |
| Participation rate | 33.6% | 62.1%-28.5pp | 69.9%-36.2pp | 70.7%-37.1pp |
| Annual return | 13.71% | 16.57%-2.9pp | 21.49%-7.8pp | 116.88%-103.2pp |
| Employer contribution / active EE | $702 | $1,664-57.8% | $2,619-73.2% | $2,428-71.1% |
| Participant deferral / active EE | $1,562 | $2,920-46.5% | $3,924-60.2% | $4,046-61.4% |
| Admin fee / account holder | $2,634 | $439+500.2% | $6,876-61.7% | $627+320.4% |