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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 | $14,948 | $69,977-78.6% | $108,582-86.2% | $62,881-76.2% |
| Participation rate | 60.4% | 72.9%-12.5pp | 79.6%-19.2pp | 69.3%-8.9pp |
| Annual return | 9.19% | 10.73%-1.5pp | -51.70%+60.9pp | 20.14%-11.0pp |
| Employer contribution / active EE | $1,285 | $2,135-39.8% | $3,758-65.8% | $2,281-43.6% |
| Participant deferral / active EE | $1,955 | $3,165-38.2% | $4,311-54.7% | $3,203-39.0% |
| Admin fee / account holder | $1,303 | $5,076-74.3% | $7,645-83.0% | $4,296-69.7% |