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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 | $14,931 | $48,364-69.1% | $71,796-79.2% | $62,881-76.3% |
| Participation rate | 62.9% | 60.6%+2.2pp | 69.1%-6.3pp | 69.3%-6.4pp |
| Annual return | 21.34% | 13.16%+8.2pp | 78.04%-56.7pp | 20.14%+1.2pp |
| Employer contribution / active EE | $200 | $1,042-80.8% | $1,924-89.6% | $2,281-91.2% |
| Participant deferral / active EE | $2,261 | $2,091+8.1% | $2,794-19.1% | $3,203-29.4% |
| Admin fee / account holder | $635 | $3,771-83.2% | $4,815-86.8% | $4,296-85.2% |