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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 | $14,359 | $72,492-80.2% | $87,104-83.5% | $72,975-80.3% |
| Participation rate | 49.1% | 72.8%-23.7pp | 76.9%-27.8pp | 69.5%-20.4pp |
| Annual return | 22.32% | 24.46%-2.1pp | 28.19%-5.9pp | 81.01%-58.7pp |
| Employer contribution / active EE | $1,035 | $1,894-45.4% | $2,521-59.0% | $2,440-57.6% |
| Participant deferral / active EE | $1,930 | $3,270-41.0% | $4,048-52.3% | $3,608-46.5% |
| Admin fee / account holder | $2,241 | $5,055-55.7% | $7,491-70.1% | $5,124-56.3% |