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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 | $24,068 | $69,977-65.6% | $108,582-77.8% | $62,881-61.7% |
| Participation rate | 68.5% | 72.9%-4.4pp | 79.6%-11.1pp | 69.3%-0.8pp |
| Annual return | 17.02% | 10.73%+6.3pp | -51.70%+68.7pp | 20.14%-3.1pp |
| Employer contribution / active EE | $1,241 | $2,135-41.9% | $3,758-67.0% | $2,281-45.6% |
| Participant deferral / active EE | $2,268 | $3,165-28.3% | $4,311-47.4% | $3,203-29.2% |
| Admin fee / account holder | $2,442 | $5,076-51.9% | $7,645-68.1% | $4,296-43.2% |