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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 | $14,712 | $62,672-76.5% | $185,117-92.1% | $70,126-79.0% |
| Participation rate | 68.8% | 63.8%+5.0pp | 77.3%-8.5pp | 69.5%-0.8pp |
| Annual return | 16.73% | 40.79%-24.1pp | 40.50%-23.8pp | 73.15%-56.4pp |
| Employer contribution / active EE | $395 | $1,753-77.4% | $4,182-90.5% | $2,343-83.1% |
| Participant deferral / active EE | $2,106 | $3,272-35.6% | $5,045-58.2% | $3,332-36.8% |
| Admin fee / account holder | $521 | $3,932-86.7% | $8,159-93.6% | $4,645-88.8% |