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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 | $14,280 | $86,949-83.6% | $102,460-86.1% | $80,959-82.4% |
| Participation rate | 67.7% | 72.4%-4.6pp | 76.5%-8.8pp | 67.7%+0.1pp |
| Annual return | 16.56% | 18.89%-2.3pp | 29.47%-12.9pp | 35.67%-19.1pp |
| Employer contribution / active EE | $1,688 | $2,370-28.8% | $3,025-44.2% | $2,757-38.8% |
| Participant deferral / active EE | $2,700 | $4,121-34.5% | $5,056-46.6% | $4,300-37.2% |
| Admin fee / account holder | $543 | $8,048-93.3% | $9,460-94.3% | $6,925-92.2% |