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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 | $16,230 | $60,349-73.1% | $74,184-78.1% | $62,881-74.2% |
| Participation rate | 66.7% | 72.7%-6.1pp | 76.6%-10.0pp | 69.3%-2.6pp |
| Annual return | 7.90% | 21.38%-13.5pp | 17.74%-9.8pp | 20.14%-12.2pp |
| Employer contribution / active EE | $1,380 | $1,680-17.9% | $2,370-41.8% | $2,281-39.5% |
| Participant deferral / active EE | $3,444 | $2,856+20.6% | $3,550-3.0% | $3,203+7.5% |
| Admin fee / account holder | $3,135 | $4,261-26.4% | $5,586-43.9% | $4,296-27.0% |