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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 | $23,502 | $86,949-73.0% | $102,460-77.1% | $80,959-71.0% |
| Participation rate | 54.2% | 72.4%-18.1pp | 76.5%-22.3pp | 67.7%-13.4pp |
| Annual return | 12.11% | 18.89%-6.8pp | 29.47%-17.4pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,527 | $2,370-35.6% | $3,025-49.5% | $2,757-44.6% |
| Participant deferral / active EE | $2,158 | $4,121-47.6% | $5,056-57.3% | $4,300-49.8% |
| Admin fee / account holder | $1,407 | $8,048-82.5% | $9,460-85.1% | $6,925-79.7% |