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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 | $10,623 | $93,055-88.6% | $153,741-93.1% | $80,959-86.9% |
| Participation rate | 63.0% | 69.0%-5.9pp | 77.1%-14.1pp | 67.7%-4.6pp |
| Annual return | 14.04% | 19.97%-5.9pp | 15.71%-1.7pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,460 | $3,504-58.3% | $5,042-71.0% | $2,757-47.1% |
| Participant deferral / active EE | $1,987 | $5,172-61.6% | $6,757-70.6% | $4,300-53.8% |
| Admin fee / account holder | $646 | $8,881-92.7% | $12,749-94.9% | $6,925-90.7% |