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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 | $18,489 | $76,834-75.9% | $108,359-82.9% | $87,485-78.9% |
| Participation rate | 59.3% | 61.7%-2.4pp | 70.1%-10.8pp | 68.9%-9.6pp |
| Annual return | 16.27% | 19.09%-2.8pp | 36.89%-20.6pp | 26.06%-9.8pp |
| Employer contribution / active EE | $786 | $1,556-49.5% | $2,399-67.2% | $2,596-69.7% |
| Participant deferral / active EE | $1,395 | $3,100-55.0% | $4,137-66.3% | $4,274-67.3% |
| Admin fee / account holder | $487 | $6,537-92.6% | $9,741-95.0% | $7,775-93.7% |