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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 | $21,360 | $86,949-75.4% | $102,460-79.2% | $80,959-73.6% |
| Participation rate | 61.3% | 72.4%-11.1pp | 76.5%-15.2pp | 67.7%-6.4pp |
| Annual return | 11.15% | 18.89%-7.7pp | 29.47%-18.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $1,791 | $2,370-24.4% | $3,025-40.8% | $2,757-35.0% |
| Participant deferral / active EE | $2,504 | $4,121-39.2% | $5,056-50.5% | $4,300-41.8% |
| Admin fee / account holder | $2,808 | $8,048-65.1% | $9,460-70.3% | $6,925-59.5% |