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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 | $26,883 | $80,992-66.8% | $96,534-72.2% | $75,173-64.2% |
| Participation rate | 53.3% | 71.8%-18.5pp | 76.0%-22.6pp | 67.2%-13.9pp |
| Annual return | 14.76% | 27.05%-12.3pp | 25.88%-11.1pp | 160.72%-146.0pp |
| Employer contribution / active EE | $1,553 | $2,283-32.0% | $2,965-47.6% | $2,671-41.9% |
| Participant deferral / active EE | $2,284 | $3,929-41.9% | $4,851-52.9% | $4,126-44.7% |
| Admin fee / account holder | $6,489 | $6,717-3.4% | $8,253-21.4% | $5,651+14.8% |