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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 | $14,965 | $138,386-89.2% | $184,260-91.9% | $80,935-81.5% |
| Participation rate | 64.4% | 83.9%-19.4pp | 86.8%-22.4pp | 67.7%-3.2pp |
| Annual return | 30.53% | 20.02%+10.5pp | 28.84%+1.7pp | 35.66%-5.1pp |
| Employer contribution / active EE | $2,137 | $4,851-56.0% | $6,427-66.8% | $2,757-22.5% |
| Participant deferral / active EE | $3,696 | $7,076-47.8% | $9,133-59.5% | $4,299-14.0% |
| Admin fee / account holder | $1,432 | $10,489-86.3% | $13,898-89.7% | $6,924-79.3% |