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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 | $20,318 | $81,487-75.1% | $102,412-80.2% | $80,935-74.9% |
| Participation rate | 56.7% | 66.8%-10.2pp | 74.5%-17.8pp | 67.7%-11.0pp |
| Annual return | 14.47% | 25.60%-11.1pp | 24.94%-10.5pp | 35.66%-21.2pp |
| Employer contribution / active EE | $1,941 | $3,103-37.5% | $3,870-49.9% | $2,757-29.6% |
| Participant deferral / active EE | $2,689 | $3,871-30.5% | $5,060-46.9% | $4,299-37.5% |
| Admin fee / account holder | $1,810 | $6,717-73.1% | $8,388-78.4% | $6,924-73.9% |