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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 | $7,711 | $81,233-90.5% | $155,567-95.0% | $80,874-90.5% |
| Participation rate | 58.5% | 66.2%-7.7pp | 78.2%-19.7pp | 67.6%-9.1pp |
| Annual return | 18.59% | 33.33%-14.7pp | 64.74%-46.1pp | 35.62%-17.0pp |
| Employer contribution / active EE | $2,302 | $3,101-25.7% | $4,674-50.7% | $2,756-16.4% |
| Participant deferral / active EE | $2,656 | $3,452-23.1% | $5,628-52.8% | $4,297-38.2% |
| Admin fee / account holder | $1,192 | $7,998-85.1% | $15,916-92.5% | $6,935-82.8% |