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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 | $7,756 | $77,523-90.0% | $100,383-92.3% | $80,874-90.4% |
| Participation rate | 48.4% | 77.0%-28.6pp | 81.5%-33.1pp | 67.6%-19.3pp |
| Annual return | 19.53% | 37.21%-17.7pp | 49.26%-29.7pp | 35.62%-16.1pp |
| Employer contribution / active EE | $377 | $2,801-86.5% | $3,944-90.4% | $2,756-86.3% |
| Participant deferral / active EE | $3,119 | $6,822-54.3% | $8,086-61.4% | $4,297-27.4% |
| Admin fee / account holder | $1,699 | $5,899-71.2% | $7,900-78.5% | $6,935-75.5% |