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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 | $15,266 | $56,287-72.9% | $80,977-81.1% | $62,881-75.7% |
| Participation rate | 48.0% | 68.9%-20.9pp | 75.8%-27.8pp | 69.3%-21.3pp |
| Annual return | 25.42% | 22.13%+3.3pp | 17.11%+8.3pp | 20.14%+5.3pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,748 | $4,196+13.2% | $5,696-16.7% | $3,203+48.2% |
| Admin fee / account holder | $849 | $3,742-77.3% | $5,517-84.6% | $4,296-80.2% |