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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 | $6,652 | $51,166-87.0% | $70,544-90.6% | $71,511-90.7% |
| Participation rate | 48.0% | 59.4%-11.3pp | 68.4%-20.3pp | 67.9%-19.9pp |
| Annual return | 18.65% | 42.71%-24.1pp | 32.79%-14.1pp | 28.86%-10.2pp |
| Employer contribution / active EE | $565 | $1,793-68.5% | $2,976-81.0% | $2,589-78.2% |
| Participant deferral / active EE | $2,007 | $3,031-33.8% | $4,568-56.1% | $4,291-53.2% |
| Admin fee / account holder | $482 | $2,000-75.9% | $6,427-92.5% | $1,588-69.6% |