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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 | $5,458 | $81,358-93.3% | $155,556-96.5% | $80,959-93.3% |
| Participation rate | 60.0% | 66.3%-6.3pp | 78.2%-18.2pp | 67.7%-7.7pp |
| Annual return | 15.58% | 33.39%-17.8pp | 64.84%-49.3pp | 35.67%-20.1pp |
| Employer contribution / active EE | $587 | $3,106-81.1% | $4,675-87.4% | $2,757-78.7% |
| Participant deferral / active EE | $1,132 | $3,455-67.2% | $5,631-79.9% | $4,300-73.7% |
| Admin fee / account holder | $1,093 | $7,994-86.3% | $15,885-93.1% | $6,925-84.2% |