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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 | $18,652 | $81,504-77.1% | $102,437-81.8% | $80,959-77.0% |
| Participation rate | 44.7% | 66.9%-22.1pp | 74.5%-29.8pp | 67.7%-22.9pp |
| Annual return | 23.09% | 25.60%-2.5pp | 24.95%-1.9pp | 35.67%-12.6pp |
| Employer contribution / active EE | $1,206 | $3,104-61.2% | $3,871-68.9% | $2,757-56.3% |
| Participant deferral / active EE | $2,161 | $3,871-44.2% | $5,060-57.3% | $4,300-49.8% |
| Admin fee / account holder | $1,509 | $6,719-77.5% | $8,388-82.0% | $6,925-78.2% |