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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 | $10,812 | $56,894-81.0% | $84,753-87.2% | $62,881-82.8% |
| Participation rate | 45.7% | 68.5%-22.9pp | 76.6%-30.9pp | 69.3%-23.7pp |
| Annual return | 10.86% | 6.30%+4.6pp | 22.78%-11.9pp | 20.14%-9.3pp |
| Employer contribution / active EE | $1,091 | $2,400-54.5% | $3,574-69.5% | $2,281-52.2% |
| Participant deferral / active EE | $1,768 | $2,709-34.7% | $3,712-52.4% | $3,203-44.8% |
| Admin fee / account holder | $2,024 | $3,581-43.5% | $5,333-62.1% | $4,296-52.9% |