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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 | $23,266 | $86,949-73.2% | $102,460-77.3% | $80,959-71.3% |
| Participation rate | 69.5% | 72.4%-2.9pp | 76.5%-7.0pp | 67.7%+1.8pp |
| Annual return | 14.55% | 18.89%-4.3pp | 29.47%-14.9pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,346 | $2,370-43.2% | $3,025-55.5% | $2,757-51.2% |
| Participant deferral / active EE | $2,799 | $4,121-32.1% | $5,056-44.6% | $4,300-34.9% |
| Admin fee / account holder | $3,344 | $8,048-58.5% | $9,460-64.7% | $6,925-51.7% |