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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 | $4,102 | $45,082-90.9% | $69,464-94.1% | $72,975-94.4% |
| Participation rate | 65.4% | 68.5%-3.1pp | 74.6%-9.2pp | 69.5%-4.1pp |
| Annual return | 30.07% | 22.66%+7.4pp | 28.98%+1.1pp | 81.01%-50.9pp |
| Employer contribution / active EE | $1,681 | $2,055-18.2% | $2,779-39.5% | $2,440-31.1% |
| Participant deferral / active EE | $1,529 | $2,604-41.3% | $3,536-56.8% | $3,608-57.6% |
| Admin fee / account holder | $803 | $3,057-73.7% | $3,840-79.1% | $5,124-84.3% |