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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 | $20,182 | $81,504-75.2% | $102,437-80.3% | $80,959-75.1% |
| Participation rate | 69.4% | 66.9%+2.6pp | 74.5%-5.1pp | 67.7%+1.8pp |
| Annual return | 17.26% | 25.60%-8.3pp | 24.95%-7.7pp | 35.67%-18.4pp |
| Employer contribution / active EE | $1,653 | $3,104-46.8% | $3,871-57.3% | $2,757-40.1% |
| Participant deferral / active EE | $2,918 | $3,871-24.6% | $5,060-42.3% | $4,300-32.2% |
| Admin fee / account holder | $539 | $6,719-92.0% | $8,388-93.6% | $6,925-92.2% |