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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 | $13,504 | $81,487-83.4% | $102,412-86.8% | $80,935-83.3% |
| Participation rate | 52.9% | 66.8%-13.9pp | 74.5%-21.6pp | 67.7%-14.7pp |
| Annual return | 13.87% | 25.60%-11.7pp | 24.94%-11.1pp | 35.66%-21.8pp |
| Employer contribution / active EE | $1,454 | $3,103-53.2% | $3,870-62.4% | $2,757-47.3% |
| Participant deferral / active EE | $2,669 | $3,871-31.1% | $5,060-47.3% | $4,299-37.9% |
| Admin fee / account holder | $778 | $6,717-88.4% | $8,388-90.7% | $6,924-88.8% |