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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 | $40,883 | $254,759-84.0% | $216,567-81.1% | $198,609-79.4% |
| Participation rate | 45.5% | 84.5%-39.1pp | 81.6%-36.2pp | 82.4%-36.9pp |
| Annual return | 5.56% | 10.04%-4.5pp | 12.94%-7.4pp | 202.70%-197.1pp |
| Employer contribution / active EE | $0 | $6,096-100.0% | $5,216-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $4,444 | $6,948-36.0% | $6,191-28.2% | $6,977-36.3% |
| Admin fee / account holder | $3,433 | $26,311-87.0% | $21,981-84.4% | $19,030-82.0% |