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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 | $10,249 | $67,602-84.8% | $82,312-87.5% | $70,126-85.4% |
| Participation rate | 44.4% | 72.8%-28.3pp | 76.9%-32.4pp | 69.5%-25.1pp |
| Annual return | 43.74% | 21.57%+22.2pp | 25.88%+17.9pp | 73.15%-29.4pp |
| Employer contribution / active EE | $1,077 | $1,755-38.6% | $2,428-55.6% | $2,343-54.0% |
| Participant deferral / active EE | $1,470 | $2,987-50.8% | $3,706-60.3% | $3,332-55.9% |
| Admin fee / account holder | $1,226 | $4,512-72.8% | $5,608-78.1% | $4,645-73.6% |