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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 | $15,701 | $81,504-80.7% | $102,437-84.7% | $80,959-80.6% |
| Participation rate | 34.7% | 66.9%-32.1pp | 74.5%-39.8pp | 67.7%-32.9pp |
| Annual return | 14.64% | 25.60%-11.0pp | 24.95%-10.3pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,414 | $3,104-54.4% | $3,871-63.5% | $2,757-48.7% |
| Participant deferral / active EE | $2,690 | $3,871-30.5% | $5,060-46.8% | $4,300-37.5% |
| Admin fee / account holder | $3,270 | $6,719-51.3% | $8,388-61.0% | $6,925-52.8% |