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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 | $19,224 | $60,349-68.1% | $74,184-74.1% | $62,881-69.4% |
| Participation rate | 66.7% | 72.7%-6.1pp | 76.6%-10.0pp | 69.3%-2.6pp |
| Annual return | 8.65% | 21.38%-12.7pp | 17.74%-9.1pp | 20.14%-11.5pp |
| Employer contribution / active EE | $936 | $1,680-44.3% | $2,370-60.5% | $2,281-59.0% |
| Participant deferral / active EE | $1,291 | $2,856-54.8% | $3,550-63.6% | $3,203-59.7% |
| Admin fee / account holder | $1,753 | $4,261-58.9% | $5,586-68.6% | $4,296-59.2% |