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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 | $7,096 | $81,457-91.3% | $103,378-93.1% | $80,911-91.2% |
| Participation rate | 46.7% | 66.8%-20.2pp | 74.5%-27.8pp | 67.6%-21.0pp |
| Annual return | 18.23% | 25.58%-7.3pp | 24.91%-6.7pp | 35.63%-17.4pp |
| Employer contribution / active EE | $1,160 | $3,107-62.7% | $3,870-70.0% | $2,756-57.9% |
| Participant deferral / active EE | $1,733 | $3,871-55.2% | $5,058-65.7% | $4,297-59.7% |
| Admin fee / account holder | $910 | $6,717-86.4% | $8,401-89.2% | $6,935-86.9% |