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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 | $6,224 | $81,358-92.3% | $155,556-96.0% | $80,959-92.3% |
| Participation rate | 63.3% | 66.3%-2.9pp | 78.2%-14.9pp | 67.7%-4.3pp |
| Annual return | 11.73% | 33.39%-21.7pp | 64.84%-53.1pp | 35.67%-23.9pp |
| Employer contribution / active EE | $989 | $3,106-68.2% | $4,675-78.8% | $2,757-64.1% |
| Participant deferral / active EE | $1,386 | $3,455-59.9% | $5,631-75.4% | $4,300-67.8% |
| Admin fee / account holder | $359 | $7,994-95.5% | $15,885-97.7% | $6,925-94.8% |