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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 | $12,718 | $84,953-85.0% | $163,379-92.2% | $82,637-84.6% |
| Participation rate | 52.5% | 65.9%-13.4pp | 76.8%-24.3pp | 68.1%-15.5pp |
| Annual return | 24.55% | 23.07%+1.5pp | 63.41%-38.9pp | 53.51%-29.0pp |
| Employer contribution / active EE | $1,228 | $2,183-43.7% | $3,752-67.3% | $2,552-51.9% |
| Participant deferral / active EE | $1,973 | $4,326-54.4% | $6,282-68.6% | $4,126-52.2% |
| Admin fee / account holder | $1,284 | $7,921-83.8% | $9,818-86.9% | $7,339-82.5% |