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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 | $17,276 | $60,795-71.6% | $69,464-75.1% | $65,185-73.5% |
| Participation rate | 60.2% | 74.9%-14.7pp | 74.6%-14.4pp | 70.2%-10.0pp |
| Annual return | 5.62% | 17.46%-11.8pp | 28.98%-23.4pp | 29.38%-23.8pp |
| Employer contribution / active EE | $1,060 | $2,452-56.8% | $2,779-61.9% | $2,177-51.3% |
| Participant deferral / active EE | $2,625 | $3,162-17.0% | $3,536-25.8% | $3,514-25.3% |
| Admin fee / account holder | $842 | $314+168.3% | $3,840-78.1% | $847-0.7% |