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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 | $35,518 | $114,712-69.0% | $173,730-79.6% | $87,485-59.4% |
| Participation rate | 67.6% | 73.0%-5.4pp | 79.6%-12.0pp | 68.9%-1.4pp |
| Annual return | 18.60% | 20.18%-1.6pp | 19.96%-1.4pp | 26.06%-7.5pp |
| Employer contribution / active EE | $1,607 | $2,904-44.7% | $4,577-64.9% | $2,596-38.1% |
| Participant deferral / active EE | $2,771 | $4,642-40.3% | $6,326-56.2% | $4,274-35.2% |
| Admin fee / account holder | $1,258 | $10,210-87.7% | $17,523-92.8% | $7,775-83.8% |