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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 | $17,399 | $86,949-80.0% | $102,460-83.0% | $80,959-78.5% |
| Participation rate | 52.0% | 72.4%-20.4pp | 76.5%-24.5pp | 67.7%-15.7pp |
| Annual return | 19.86% | 18.89%+1.0pp | 29.47%-9.6pp | 35.67%-15.8pp |
| Employer contribution / active EE | $1,261 | $2,370-46.8% | $3,025-58.3% | $2,757-54.3% |
| Participant deferral / active EE | $4,102 | $4,121-0.5% | $5,056-18.9% | $4,300-4.6% |
| Admin fee / account holder | $584 | $8,048-92.7% | $9,460-93.8% | $6,925-91.6% |