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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 | $11,067 | $56,438-80.4% | $76,902-85.6% | $71,529-84.5% |
| Participation rate | 44.8% | 64.3%-19.6pp | 69.6%-24.9pp | 67.9%-23.2pp |
| Annual return | 21.90% | 19.05%+2.9pp | 37.91%-16.0pp | 28.97%-7.1pp |
| Employer contribution / active EE | $1,140 | $1,864-38.8% | $2,534-55.0% | $2,590-56.0% |
| Participant deferral / active EE | $1,913 | $3,136-39.0% | $3,833-50.1% | $4,291-55.4% |
| Admin fee / account holder | $1,263 | $1,430-11.7% | $5,479-77.0% | $1,588-20.5% |