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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 | $17,263 | $81,487-78.8% | $102,412-83.1% | $80,935-78.7% |
| Participation rate | 52.4% | 66.8%-14.5pp | 74.5%-22.1pp | 67.7%-15.3pp |
| Annual return | 16.37% | 25.60%-9.2pp | 24.94%-8.6pp | 35.66%-19.3pp |
| Employer contribution / active EE | $1,096 | $3,103-64.7% | $3,870-71.7% | $2,757-60.3% |
| Participant deferral / active EE | $2,699 | $3,871-30.3% | $5,060-46.7% | $4,299-37.2% |
| Admin fee / account holder | $651 | $6,717-90.3% | $8,388-92.2% | $6,924-90.6% |