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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 | $26,271 | $79,867-67.1% | $120,344-78.2% | $64,340-59.2% |
| Participation rate | 29.2% | 63.0%-33.8pp | 76.7%-47.5pp | 55.2%-26.0pp |
| Annual return | 29.37% | 21.10%+8.3pp | 20.30%+9.1pp | 24.14%+5.2pp |
| Employer contribution / active EE | $819 | $1,925-57.4% | $3,020-72.9% | $1,862-56.0% |
| Participant deferral / active EE | $2,081 | $3,593-42.1% | $5,135-59.5% | $2,980-30.2% |
| Admin fee / account holder | $1,483 | $5,039-70.6% | $12,742-88.4% | $3,703-59.9% |