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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 | $22,782 | $86,919-73.8% | $102,457-77.8% | $80,911-71.8% |
| Participation rate | 52.8% | 72.4%-19.5pp | 76.5%-23.7pp | 67.6%-14.8pp |
| Annual return | 11.99% | 18.90%-6.9pp | 29.41%-17.4pp | 35.63%-23.6pp |
| Employer contribution / active EE | $1,407 | $2,368-40.6% | $3,022-53.4% | $2,756-48.9% |
| Participant deferral / active EE | $2,681 | $4,119-34.9% | $5,054-47.0% | $4,297-37.6% |
| Admin fee / account holder | $1,190 | $8,049-85.2% | $9,451-87.4% | $6,935-82.8% |