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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 | $10,908 | $63,949-82.9% | $129,031-91.5% | $94,015-88.4% |
| Participation rate | 69.2% | 63.4%+5.8pp | 73.4%-4.1pp | 70.8%-1.6pp |
| Annual return | 22.63% | 17.56%+5.1pp | 34.67%-12.0pp | 17.84%+4.8pp |
| Employer contribution / active EE | $1,232 | $1,865-33.9% | $3,226-61.8% | $2,790-55.9% |
| Participant deferral / active EE | $1,689 | $3,686-54.2% | $5,217-67.6% | $4,249-60.3% |
| Admin fee / account holder | $610 | $5,523-89.0% | $13,208-95.4% | $8,951-93.2% |