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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 | $15,121 | $95,453-84.2% | $112,040-86.5% | $82,448-81.7% |
| Participation rate | 62.9% | 72.8%-9.9pp | 76.5%-13.6pp | 68.1%-5.2pp |
| Annual return | 17.65% | 23.92%-6.3pp | 24.52%-6.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $1,320 | $2,318-43.0% | $2,954-55.3% | $2,551-48.2% |
| Participant deferral / active EE | $2,237 | $4,224-47.0% | $5,098-56.1% | $4,139-46.0% |
| Admin fee / account holder | $1,868 | $9,013-79.3% | $12,098-84.6% | $7,234-74.2% |