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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 | $15,922 | $77,962-79.6% | $178,540-91.1% | $80,935-80.3% |
| Participation rate | 39.7% | 65.7%-26.0pp | 77.1%-37.4pp | 67.7%-28.0pp |
| Annual return | 24.30% | 18.10%+6.2pp | 27.15%-2.8pp | 35.66%-11.4pp |
| Employer contribution / active EE | $928 | $2,280-59.3% | $3,953-76.5% | $2,757-66.3% |
| Participant deferral / active EE | $1,643 | $4,404-62.7% | $6,281-73.8% | $4,299-61.8% |
| Admin fee / account holder | $2,889 | $7,156-59.6% | $10,424-72.3% | $6,924-58.3% |