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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 | $21,165 | $138,385-84.7% | $184,200-88.5% | $80,874-73.8% |
| Participation rate | 68.3% | 83.9%-15.6pp | 86.8%-18.5pp | 67.6%+0.6pp |
| Annual return | 16.58% | 20.02%-3.4pp | 28.80%-12.2pp | 35.62%-19.0pp |
| Employer contribution / active EE | $1,559 | $4,849-67.9% | $6,424-75.7% | $2,756-43.4% |
| Participant deferral / active EE | $4,534 | $7,073-35.9% | $9,132-50.3% | $4,297+5.5% |
| Admin fee / account holder | $720 | $10,483-93.1% | $13,907-94.8% | $6,935-89.6% |