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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 | $8,184 | $81,276-89.9% | $155,574-94.7% | $80,925-89.9% |
| Participation rate | 60.0% | 66.2%-6.2pp | 78.2%-18.2pp | 67.7%-7.7pp |
| Annual return | 15.59% | 33.36%-17.8pp | 64.87%-49.3pp | 35.65%-20.1pp |
| Employer contribution / active EE | $1,259 | $3,103-59.4% | $4,676-73.1% | $2,756-54.3% |
| Participant deferral / active EE | $1,654 | $3,453-52.1% | $5,629-70.6% | $4,299-61.5% |
| Admin fee / account holder | $888 | $7,993-88.9% | $15,914-94.4% | $6,940-87.2% |