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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 | $20,538 | $54,541-62.3% | $78,778-73.9% | $70,126-70.7% |
| Participation rate | 57.5% | 60.8%-3.3pp | 69.2%-11.7pp | 69.5%-12.0pp |
| Annual return | 18.27% | 21.07%-2.8pp | 35.62%-17.4pp | 73.15%-54.9pp |
| Employer contribution / active EE | $1,056 | $1,089-2.9% | $1,986-46.8% | $2,343-54.9% |
| Participant deferral / active EE | $1,701 | $2,210-23.0% | $2,958-42.5% | $3,332-49.0% |
| Admin fee / account holder | $803 | $3,709-78.3% | $5,134-84.4% | $4,645-82.7% |