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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 | $24,997 | $86,949-71.3% | $102,460-75.6% | $80,959-69.1% |
| Participation rate | 69.7% | 72.4%-2.7pp | 76.5%-6.8pp | 67.7%+2.0pp |
| Annual return | 17.39% | 18.89%-1.5pp | 29.47%-12.1pp | 35.67%-18.3pp |
| Employer contribution / active EE | $1,131 | $2,370-52.3% | $3,025-62.6% | $2,757-59.0% |
| Participant deferral / active EE | $2,219 | $4,121-46.2% | $5,056-56.1% | $4,300-48.4% |
| Admin fee / account holder | $2,364 | $8,048-70.6% | $9,460-75.0% | $6,925-65.9% |