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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 | $8,322 | $81,358-89.8% | $155,556-94.7% | $80,959-89.7% |
| Participation rate | 60.3% | 66.3%-5.9pp | 78.2%-17.9pp | 67.7%-7.4pp |
| Annual return | 15.66% | 33.39%-17.7pp | 64.84%-49.2pp | 35.67%-20.0pp |
| Employer contribution / active EE | $1,421 | $3,106-54.3% | $4,675-69.6% | $2,757-48.5% |
| Participant deferral / active EE | $3,181 | $3,455-7.9% | $5,631-43.5% | $4,300-26.0% |
| Admin fee / account holder | $1,005 | $7,994-87.4% | $15,885-93.7% | $6,925-85.5% |