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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 | $13,611 | $47,944-71.6% | $67,834-79.9% | $62,881-78.4% |
| Participation rate | 65.9% | 61.1%+4.8pp | 68.8%-2.9pp | 69.3%-3.5pp |
| Annual return | 9.04% | 11.77%-2.7pp | 138.47%-129.4pp | 20.14%-11.1pp |
| Employer contribution / active EE | $571 | $1,562-63.4% | $2,403-76.2% | $2,281-75.0% |
| Participant deferral / active EE | $2,437 | $2,247+8.5% | $3,160-22.9% | $3,203-23.9% |
| Admin fee / account holder | $661 | $3,712-82.2% | $4,622-85.7% | $4,296-84.6% |