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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 | $28,857 | $87,180-66.9% | $173,703-83.4% | $94,015-69.3% |
| Participation rate | 59.1% | 65.6%-6.5pp | 75.9%-16.8pp | 70.8%-11.7pp |
| Annual return | 15.92% | 14.17%+1.8pp | 17.46%-1.5pp | 17.84%-1.9pp |
| Employer contribution / active EE | $1,096 | $2,494-56.1% | $4,288-74.4% | $2,790-60.7% |
| Participant deferral / active EE | $1,473 | $3,343-55.9% | $4,854-69.7% | $4,249-65.3% |
| Admin fee / account holder | $1,262 | $7,506-83.2% | $15,562-91.9% | $8,951-85.9% |