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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 | $14,427 | $86,949-83.4% | $102,460-85.9% | $80,959-82.2% |
| Participation rate | 63.2% | 72.4%-9.2pp | 76.5%-13.4pp | 67.7%-4.5pp |
| Annual return | 10.47% | 18.89%-8.4pp | 29.47%-19.0pp | 35.67%-25.2pp |
| Employer contribution / active EE | $1,121 | $2,370-52.7% | $3,025-62.9% | $2,757-59.3% |
| Participant deferral / active EE | $3,586 | $4,121-13.0% | $5,056-29.1% | $4,300-16.6% |
| Admin fee / account holder | $6,848 | $8,048-14.9% | $9,460-27.6% | $6,925-1.1% |