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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 | $10,739 | $77,962-86.2% | $178,540-94.0% | $80,935-86.7% |
| Participation rate | 50.0% | 65.7%-15.7pp | 77.1%-27.1pp | 67.7%-17.7pp |
| Annual return | 17.11% | 18.10%-1.0pp | 27.15%-10.0pp | 35.66%-18.6pp |
| Employer contribution / active EE | $1,210 | $2,280-46.9% | $3,953-69.4% | $2,757-56.1% |
| Participant deferral / active EE | $2,496 | $4,404-43.3% | $6,281-60.3% | $4,299-41.9% |
| Admin fee / account holder | $996 | $7,156-86.1% | $10,424-90.4% | $6,924-85.6% |