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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 | $12,895 | $80,781-84.0% | $102,437-87.4% | $74,478-82.7% |
| Participation rate | 56.2% | 65.7%-9.5pp | 74.5%-18.3pp | 67.2%-11.0pp |
| Annual return | 22.77% | 27.58%-4.8pp | 24.95%-2.2pp | 1370.56%-1347.8pp |
| Employer contribution / active EE | $1,355 | $3,160-57.1% | $3,871-65.0% | $2,626-48.4% |
| Participant deferral / active EE | $2,344 | $3,862-39.3% | $5,060-53.7% | $4,350-46.1% |
| Admin fee / account holder | $2,227 | $2,372-6.1% | $8,388-73.5% | $1,946+14.4% |