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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 | $20,649 | $81,504-74.7% | $102,437-79.8% | $80,959-74.5% |
| Participation rate | 34.6% | 66.9%-32.2pp | 74.5%-39.9pp | 67.7%-33.1pp |
| Annual return | 11.58% | 25.60%-14.0pp | 24.95%-13.4pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,712 | $3,104-44.8% | $3,871-55.8% | $2,757-37.9% |
| Participant deferral / active EE | $4,041 | $3,871+4.4% | $5,060-20.1% | $4,300-6.0% |
| Admin fee / account holder | $7,308 | $6,719+8.8% | $8,388-12.9% | $6,925+5.5% |