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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 | $19,033 | $76,564-75.1% | $105,582-82.0% | $94,015-79.8% |
| Participation rate | 54.9% | 65.2%-10.3pp | 71.8%-16.9pp | 70.8%-15.9pp |
| Annual return | 13.36% | 20.69%-7.3pp | 18.61%-5.3pp | 17.84%-4.5pp |
| Employer contribution / active EE | $664 | $1,995-66.7% | $2,984-77.7% | $2,790-76.2% |
| Participant deferral / active EE | $1,836 | $3,320-44.7% | $4,353-57.8% | $4,249-56.8% |
| Admin fee / account holder | $1,159 | $7,129-83.7% | $12,856-91.0% | $8,951-87.1% |