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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 | $29,090 | $86,949-66.5% | $102,460-71.6% | $80,959-64.1% |
| Participation rate | 39.6% | 72.4%-32.8pp | 76.5%-36.9pp | 67.7%-28.0pp |
| Annual return | 12.91% | 18.89%-6.0pp | 29.47%-16.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,095 | $2,370-53.8% | $3,025-63.8% | $2,757-60.3% |
| Participant deferral / active EE | $1,977 | $4,121-52.0% | $5,056-60.9% | $4,300-54.0% |
| Admin fee / account holder | $2,126 | $8,048-73.6% | $9,460-77.5% | $6,925-69.3% |