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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 | $27,993 | $86,940-67.8% | $102,434-72.7% | $80,935-65.4% |
| Participation rate | 43.6% | 72.4%-28.8pp | 76.5%-32.9pp | 67.7%-24.0pp |
| Annual return | 13.61% | 18.89%-5.3pp | 29.46%-15.8pp | 35.66%-22.0pp |
| Employer contribution / active EE | $957 | $2,370-59.6% | $3,023-68.3% | $2,757-65.3% |
| Participant deferral / active EE | $2,068 | $4,121-49.8% | $5,055-59.1% | $4,299-51.9% |
| Admin fee / account holder | $2,654 | $8,047-67.0% | $9,462-72.0% | $6,924-61.7% |