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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 | $14,641 | $74,535-80.4% | $100,712-85.5% | $82,637-82.3% |
| Participation rate | 51.1% | 61.2%-10.1pp | 69.3%-18.2pp | 68.1%-16.9pp |
| Annual return | 19.77% | 18.92%+0.8pp | 33.27%-13.5pp | 53.51%-33.7pp |
| Employer contribution / active EE | $732 | $1,503-51.3% | $2,313-68.3% | $2,552-71.3% |
| Participant deferral / active EE | $2,111 | $3,074-31.3% | $4,085-48.3% | $4,126-48.8% |
| Admin fee / account holder | $1,286 | $6,576-80.4% | $9,256-86.1% | $7,339-82.5% |