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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 | $25,962 | $69,977-62.9% | $108,582-76.1% | $62,881-58.7% |
| Participation rate | 52.3% | 72.9%-20.6pp | 79.6%-27.3pp | 69.3%-17.0pp |
| Annual return | 9.16% | 10.73%-1.6pp | -51.70%+60.9pp | 20.14%-11.0pp |
| Employer contribution / active EE | $788 | $2,135-63.1% | $3,758-79.0% | $2,281-65.5% |
| Participant deferral / active EE | $1,701 | $3,165-46.3% | $4,311-60.5% | $3,203-46.9% |
| Admin fee / account holder | $3,082 | $5,076-39.3% | $7,645-59.7% | $4,296-28.3% |