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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 | $14,246 | $70,486-79.8% | $100,528-85.8% | $79,852-82.2% |
| Participation rate | 60.5% | 73.6%-13.1pp | 79.4%-18.9pp | 69.6%-9.1pp |
| Annual return | 16.44% | 21.90%-5.5pp | 30.90%-14.5pp | 31.72%-15.3pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,565 | $5,182-11.9% | $6,271-27.2% | $3,740+22.1% |
| Admin fee / account holder | $4,412 | $4,480-1.5% | $8,084-45.4% | $5,306-16.9% |