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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 | $10,633 | $43,075-75.3% | $74,577-85.7% | $62,881-83.1% |
| Participation rate | 67.6% | 58.1%+9.6pp | 68.1%-0.5pp | 69.3%-1.7pp |
| Annual return | 5.62% | 17.50%-11.9pp | 20.47%-14.8pp | 20.14%-14.5pp |
| Employer contribution / active EE | $964 | $1,498-35.7% | $2,525-61.8% | $2,281-57.7% |
| Participant deferral / active EE | $2,081 | $2,389-12.9% | $3,458-39.8% | $3,203-35.0% |
| Admin fee / account holder | $541 | $2,840-80.9% | $4,138-86.9% | $4,296-87.4% |