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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 | $4,708 | $57,140-91.8% | $85,240-94.5% | $80,959-94.2% |
| Participation rate | 55.2% | 56.4%-1.2pp | 67.5%-12.4pp | 67.7%-12.5pp |
| Annual return | 13.43% | 21.71%-8.3pp | 66.75%-53.3pp | 35.67%-22.2pp |
| Employer contribution / active EE | $590 | $1,802-67.2% | $2,735-78.4% | $2,757-78.6% |
| Participant deferral / active EE | $851 | $3,115-72.7% | $4,527-81.2% | $4,300-80.2% |
| Admin fee / account holder | $520 | $4,992-89.6% | $6,165-91.6% | $6,925-92.5% |