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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 | $8,705 | $54,541-84.0% | $78,778-89.0% | $70,124-87.6% |
| Participation rate | 44.4% | 60.8%-16.4pp | 69.2%-24.7pp | 69.5%-25.1pp |
| Annual return | 22.02% | 21.07%+0.9pp | 35.62%-13.6pp | 73.14%-51.1pp |
| Employer contribution / active EE | $639 | $1,089-41.3% | $1,986-67.8% | $2,342-72.7% |
| Participant deferral / active EE | $1,007 | $2,210-54.4% | $2,958-65.9% | $3,332-69.8% |
| Admin fee / account holder | $383 | $3,709-89.7% | $5,134-92.5% | $4,645-91.8% |