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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 | $12,242 | $81,504-85.0% | $102,437-88.0% | $80,959-84.9% |
| Participation rate | 54.8% | 66.9%-12.1pp | 74.5%-19.7pp | 67.7%-12.9pp |
| Annual return | 14.47% | 25.60%-11.1pp | 24.95%-10.5pp | 35.67%-21.2pp |
| Employer contribution / active EE | $1,046 | $3,104-66.3% | $3,871-73.0% | $2,757-62.1% |
| Participant deferral / active EE | $1,830 | $3,871-52.7% | $5,060-63.8% | $4,300-57.4% |
| Admin fee / account holder | $565 | $6,719-91.6% | $8,388-93.3% | $6,925-91.8% |