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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 | $13,142 | $58,493-77.5% | $84,023-84.4% | $72,976-82.0% |
| Participation rate | 48.6% | 61.2%-12.7pp | 69.0%-20.4pp | 69.5%-20.9pp |
| Annual return | 23.60% | 28.93%-5.3pp | 71.32%-47.7pp | 81.02%-57.4pp |
| Employer contribution / active EE | $302 | $1,163-74.0% | $1,984-84.8% | $2,440-87.6% |
| Participant deferral / active EE | $1,322 | $2,394-44.8% | $3,239-59.2% | $3,608-63.4% |
| Admin fee / account holder | $368 | $4,569-92.0% | $6,102-94.0% | $5,124-92.8% |