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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 | $19,338 | $86,940-77.8% | $102,434-81.1% | $80,935-76.1% |
| Participation rate | 64.7% | 72.4%-7.7pp | 76.5%-11.8pp | 67.7%-3.0pp |
| Annual return | 10.77% | 18.89%-8.1pp | 29.46%-18.7pp | 35.66%-24.9pp |
| Employer contribution / active EE | $1,134 | $2,370-52.1% | $3,023-62.5% | $2,757-58.9% |
| Participant deferral / active EE | $1,892 | $4,121-54.1% | $5,055-62.6% | $4,299-56.0% |
| Admin fee / account holder | $824 | $8,047-89.8% | $9,462-91.3% | $6,924-88.1% |