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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 | $22,331 | $59,535-62.5% | $90,161-75.2% | $62,293-64.2% |
| Participation rate | 54.5% | 73.0%-18.6pp | 76.9%-22.4pp | 69.5%-15.1pp |
| Annual return | 28.50% | 23.53%+5.0pp | 34.89%-6.4pp | 28.90%-0.4pp |
| Employer contribution / active EE | $1,556 | $1,826-14.7% | $3,318-53.1% | $2,042-23.8% |
| Participant deferral / active EE | $3,432 | $4,639-26.0% | $5,287-35.1% | $3,169+8.3% |
| Admin fee / account holder | $3,065 | $337+810.5% | $5,943-48.4% | $479+539.5% |