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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 | $25,306 | $95,404-73.5% | $113,397-77.7% | $82,637-69.4% |
| Participation rate | 64.8% | 72.8%-8.0pp | 76.5%-11.7pp | 68.1%-3.2pp |
| Annual return | 18.66% | 19.08%-0.4pp | 23.20%-4.5pp | 53.51%-34.8pp |
| Employer contribution / active EE | $1,154 | $2,307-50.0% | $2,977-61.2% | $2,552-54.8% |
| Participant deferral / active EE | $2,479 | $4,220-41.2% | $5,076-51.2% | $4,126-39.9% |
| Admin fee / account holder | $1,364 | $9,168-85.1% | $11,957-88.6% | $7,339-81.4% |