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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 | $21,191 | $81,446-74.0% | $103,374-79.5% | $80,874-73.8% |
| Participation rate | 46.8% | 66.9%-20.1pp | 74.5%-27.7pp | 67.6%-20.9pp |
| Annual return | 11.97% | 25.57%-13.6pp | 24.89%-12.9pp | 35.62%-23.6pp |
| Employer contribution / active EE | $1,331 | $3,107-57.2% | $3,869-65.6% | $2,756-51.7% |
| Participant deferral / active EE | $2,916 | $3,870-24.7% | $5,058-42.4% | $4,297-32.1% |
| Admin fee / account holder | $2,073 | $6,715-69.1% | $8,394-75.3% | $6,935-70.1% |