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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 | $5,495 | $48,314-88.6% | $67,561-91.9% | $80,925-93.2% |
| Participation rate | 68.0% | 66.4%+1.6pp | 72.9%-4.9pp | 67.7%+0.3pp |
| Annual return | 16.20% | 18.28%-2.1pp | 3525.44%-3509.2pp | 35.65%-19.5pp |
| Employer contribution / active EE | $1,605 | $2,022-20.6% | $2,735-41.3% | $2,756-41.8% |
| Participant deferral / active EE | $2,115 | $2,927-27.7% | $4,003-47.2% | $4,299-50.8% |
| Admin fee / account holder | $362 | $3,690-90.2% | $4,006-91.0% | $6,940-94.8% |