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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 | $7,086 | $57,057-87.6% | $85,009-91.7% | $80,874-91.2% |
| Participation rate | 39.4% | 56.4%-17.0pp | 67.5%-28.1pp | 67.6%-28.3pp |
| Annual return | 14.26% | 21.66%-7.4pp | 66.47%-52.2pp | 35.62%-21.4pp |
| Employer contribution / active EE | $888 | $1,799-50.6% | $2,728-67.4% | $2,756-67.8% |
| Participant deferral / active EE | $1,390 | $3,112-55.3% | $4,522-69.3% | $4,297-67.7% |
| Admin fee / account holder | $2,092 | $4,986-58.0% | $6,153-66.0% | $6,935-69.8% |