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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 | $24,358 | $72,486-66.4% | $87,103-72.0% | $72,976-66.6% |
| Participation rate | 67.9% | 72.8%-5.0pp | 76.9%-9.0pp | 69.5%-1.6pp |
| Annual return | 29.24% | 24.46%+4.8pp | 28.19%+1.0pp | 81.02%-51.8pp |
| Employer contribution / active EE | $1,242 | $1,894-34.4% | $2,521-50.7% | $2,440-49.1% |
| Participant deferral / active EE | $4,164 | $3,270+27.4% | $4,049+2.9% | $3,608+15.4% |
| Admin fee / account holder | $437 | $5,055-91.4% | $7,491-94.2% | $5,124-91.5% |