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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 | $39,883 | $123,478-67.7% | $216,567-81.6% | $94,015-57.6% |
| Participation rate | 67.4% | 75.1%-7.7pp | 81.6%-14.2pp | 70.8%-3.4pp |
| Annual return | 15.63% | 23.61%-8.0pp | 12.94%+2.7pp | 17.84%-2.2pp |
| Employer contribution / active EE | $1,051 | $3,136-66.5% | $5,216-79.8% | $2,790-62.3% |
| Participant deferral / active EE | $2,962 | $4,556-35.0% | $6,191-52.2% | $4,249-30.3% |
| Admin fee / account holder | $4,335 | $12,753-66.0% | $21,981-80.3% | $8,951-51.6% |