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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 | $23,951 | $80,992-70.4% | $96,534-75.2% | $75,173-68.1% |
| Participation rate | 60.0% | 71.8%-11.8pp | 76.0%-16.0pp | 67.2%-7.2pp |
| Annual return | 23.08% | 27.05%-4.0pp | 25.88%-2.8pp | 160.72%-137.6pp |
| Employer contribution / active EE | $2,316 | $2,283+1.5% | $2,965-21.9% | $2,671-13.3% |
| Participant deferral / active EE | $3,309 | $3,929-15.8% | $4,851-31.8% | $4,126-19.8% |
| Admin fee / account holder | $741 | $6,717-89.0% | $8,253-91.0% | $5,651-86.9% |