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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 | $17,361 | $69,590-75.1% | $136,867-87.3% | $94,015-81.5% |
| Participation rate | 62.1% | 66.3%-4.3pp | 74.5%-12.5pp | 70.8%-8.8pp |
| Annual return | 15.84% | 19.62%-3.8pp | 42.97%-27.1pp | 17.84%-2.0pp |
| Employer contribution / active EE | $1,557 | $2,396-35.0% | $3,547-56.1% | $2,790-44.2% |
| Participant deferral / active EE | $1,971 | $3,437-42.6% | $4,924-60.0% | $4,249-53.6% |
| Admin fee / account holder | $3,720 | $8,912-58.3% | $10,340-64.0% | $8,951-58.4% |