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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 | $5,840 | $58,627-90.0% | $76,735-92.4% | $82,448-92.9% |
| Participation rate | 60.3% | 63.2%-3.0pp | 69.5%-9.2pp | 68.1%-7.8pp |
| Annual return | 21.90% | 39.10%-17.2pp | 29.77%-7.9pp | 41.64%-19.7pp |
| Employer contribution / active EE | $473 | $1,729-72.6% | $2,454-80.7% | $2,551-81.5% |
| Participant deferral / active EE | $1,161 | $3,134-63.0% | $4,088-71.6% | $4,139-72.0% |
| Admin fee / account holder | $326 | $5,323-93.9% | $7,189-95.5% | $7,234-95.5% |