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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 | $17,787 | $73,955-75.9% | $96,520-81.6% | $75,181-76.3% |
| Participation rate | 69.0% | 66.4%+2.5pp | 74.3%-5.4pp | 67.2%+1.8pp |
| Annual return | 22.04% | 26.72%-4.7pp | 35.72%-13.7pp | 160.69%-138.6pp |
| Employer contribution / active EE | $1,604 | $2,930-45.3% | $3,739-57.1% | $2,671-39.9% |
| Participant deferral / active EE | $2,202 | $3,659-39.8% | $4,879-54.9% | $4,126-46.6% |
| Admin fee / account holder | $1,146 | $5,217-78.0% | $6,733-83.0% | $5,650-79.7% |