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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 | $77,460-90.0% | $100,378-92.3% | $80,925-90.4% |
| Participation rate | 48.4% | 76.9%-28.6pp | 81.5%-33.1pp | 67.7%-19.3pp |
| Annual return | 19.53% | 37.24%-17.7pp | 49.41%-29.9pp | 35.65%-16.1pp |
| Employer contribution / active EE | $377 | $2,801-86.5% | $3,942-90.4% | $2,756-86.3% |
| Participant deferral / active EE | $3,119 | $6,818-54.3% | $8,087-61.4% | $4,299-27.4% |
| Admin fee / account holder | $1,699 | $5,887-71.1% | $7,899-78.5% | $6,940-75.5% |