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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 | $12,774 | $81,504-84.3% | $102,437-87.5% | $80,959-84.2% |
| Participation rate | 54.4% | 66.9%-12.4pp | 74.5%-20.1pp | 67.7%-13.2pp |
| Annual return | 11.07% | 25.60%-14.5pp | 24.95%-13.9pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,163 | $3,104-62.5% | $3,871-70.0% | $2,757-57.8% |
| Participant deferral / active EE | $2,379 | $3,871-38.5% | $5,060-53.0% | $4,300-44.7% |
| Admin fee / account holder | $2,316 | $6,719-65.5% | $8,388-72.4% | $6,925-66.6% |