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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 | $14,364 | $72,269-80.1% | $101,271-85.8% | $79,852-82.0% |
| Participation rate | 59.7% | 68.5%-8.7pp | 75.8%-16.1pp | 69.6%-9.9pp |
| Annual return | 23.21% | 22.29%+0.9pp | 46.48%-23.3pp | 31.72%-8.5pp |
| Employer contribution / active EE | $1,062 | $2,692-60.5% | $3,660-71.0% | $2,471-57.0% |
| Participant deferral / active EE | $1,937 | $3,282-41.0% | $4,371-55.7% | $3,740-48.2% |
| Admin fee / account holder | $1,355 | $4,401-69.2% | $5,948-77.2% | $5,306-74.5% |