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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 | $14,505 | $86,940-83.3% | $102,434-85.8% | $80,935-82.1% |
| Participation rate | 47.1% | 72.4%-25.2pp | 76.5%-29.4pp | 67.7%-20.5pp |
| Annual return | 11.58% | 18.89%-7.3pp | 29.46%-17.9pp | 35.66%-24.1pp |
| Employer contribution / active EE | $2,426 | $2,370+2.4% | $3,023-19.8% | $2,757-12.0% |
| Participant deferral / active EE | $4,310 | $4,121+4.6% | $5,055-14.7% | $4,299+0.3% |
| Admin fee / account holder | $7,115 | $8,047-11.6% | $9,462-24.8% | $6,924+2.8% |