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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 | $40,932 | $138,366-70.4% | $184,185-77.8% | $80,911-49.4% |
| Participation rate | 68.8% | 83.9%-15.1pp | 86.8%-18.1pp | 67.6%+1.1pp |
| Annual return | 17.78% | 20.02%-2.2pp | 28.81%-11.0pp | 35.63%-17.9pp |
| Employer contribution / active EE | $2,735 | $4,849-43.6% | $6,426-57.4% | $2,756-0.8% |
| Participant deferral / active EE | $5,392 | $7,074-23.8% | $9,132-41.0% | $4,297+25.5% |
| Admin fee / account holder | $4,243 | $10,484-59.5% | $13,909-69.5% | $6,935-38.8% |