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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 | $7,056 | $81,331-91.3% | $155,534-95.5% | $80,935-91.3% |
| Participation rate | 69.1% | 66.3%+2.9pp | 78.2%-9.1pp | 67.7%+1.5pp |
| Annual return | 14.61% | 33.37%-18.8pp | 64.92%-50.3pp | 35.66%-21.0pp |
| Employer contribution / active EE | $749 | $3,105-75.9% | $4,675-84.0% | $2,757-72.8% |
| Participant deferral / active EE | $1,395 | $3,454-59.6% | $5,630-75.2% | $4,299-67.6% |
| Admin fee / account holder | $753 | $7,999-90.6% | $15,900-95.3% | $6,924-89.1% |