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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 | $14,245 | $93,598-84.8% | $135,974-89.5% | $75,173-81.1% |
| Participation rate | 68.0% | 75.2%-7.2pp | 81.9%-13.9pp | 67.2%+0.8pp |
| Annual return | 34.04% | 30.89%+3.2pp | 68.30%-34.3pp | 160.72%-126.7pp |
| Employer contribution / active EE | $2,183 | $3,538-38.3% | $4,859-55.1% | $2,671-18.3% |
| Participant deferral / active EE | $4,335 | $6,405-32.3% | $7,760-44.1% | $4,126+5.1% |
| Admin fee / account holder | $518 | $6,978-92.6% | $10,767-95.2% | $5,651-90.8% |