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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 | $20,263 | $108,825-81.4% | $156,181-87.0% | $82,448-75.4% |
| Participation rate | 52.0% | 72.4%-20.4pp | 78.8%-26.8pp | 68.1%-16.1pp |
| Annual return | 27.68% | 20.59%+7.1pp | 64.87%-37.2pp | 41.64%-14.0pp |
| Employer contribution / active EE | $1,438 | $2,870-49.9% | $4,294-66.5% | $2,551-43.6% |
| Participant deferral / active EE | $2,494 | $4,577-45.5% | $6,132-59.3% | $4,139-39.7% |
| Admin fee / account holder | $464 | $9,341-95.0% | $14,586-96.8% | $7,234-93.6% |