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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 | $16,565 | $49,025-66.2% | $87,502-81.1% | $62,881-73.7% |
| Participation rate | 35.4% | 64.9%-29.5pp | 73.8%-38.5pp | 69.3%-33.9pp |
| Annual return | 7.89% | 10.02%-2.1pp | 12.21%-4.3pp | 20.14%-12.3pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,206 | $2,289-47.3% | $3,149-61.7% | $3,203-62.4% |
| Admin fee / account holder | $2,617 | $4,065-35.6% | $4,221-38.0% | $4,296-39.1% |