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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 | $12,614 | $63,845-80.2% | $81,370-84.5% | $80,959-84.4% |
| Participation rate | 32.4% | 63.9%-31.4pp | 69.5%-37.1pp | 67.7%-35.2pp |
| Annual return | 18.23% | 16.37%+1.9pp | 24.85%-6.6pp | 35.67%-17.4pp |
| Employer contribution / active EE | $675 | $1,980-65.9% | $2,464-72.6% | $2,757-75.5% |
| Participant deferral / active EE | $1,486 | $3,093-52.0% | $3,885-61.8% | $4,300-65.4% |
| Admin fee / account holder | $3,336 | $5,688-41.4% | $5,749-42.0% | $6,925-51.8% |