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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 | $20,872 | $81,457-74.4% | $103,378-79.8% | $80,911-74.2% |
| Participation rate | 69.5% | 66.8%+2.7pp | 74.5%-5.0pp | 67.6%+1.9pp |
| Annual return | 14.61% | 25.58%-11.0pp | 24.91%-10.3pp | 35.63%-21.0pp |
| Employer contribution / active EE | $1,205 | $3,107-61.2% | $3,870-68.9% | $2,756-56.3% |
| Participant deferral / active EE | $1,881 | $3,871-51.4% | $5,058-62.8% | $4,297-56.2% |
| Admin fee / account holder | $9,352 | $6,717+39.2% | $8,401+11.3% | $6,935+34.9% |