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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 | $32,700 | $110,137-70.3% | $161,149-79.7% | $82,637-60.4% |
| Participation rate | 65.7% | 72.4%-6.6pp | 78.8%-13.1pp | 68.1%-2.3pp |
| Annual return | 23.37% | 20.69%+2.7pp | 21.16%+2.2pp | 53.51%-30.1pp |
| Employer contribution / active EE | $3,397 | $2,856+18.9% | $4,360-22.1% | $2,552+33.1% |
| Participant deferral / active EE | $4,964 | $4,575+8.5% | $6,153-19.3% | $4,126+20.3% |
| Admin fee / account holder | $3,548 | $9,467-62.5% | $15,194-76.7% | $7,339-51.7% |