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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 | $23,758 | $114,712-79.3% | $173,730-86.3% | $87,485-72.8% |
| Participation rate | 55.6% | 73.0%-17.4pp | 79.6%-24.0pp | 68.9%-13.4pp |
| Annual return | 13.05% | 20.18%-7.1pp | 19.96%-6.9pp | 26.06%-13.0pp |
| Employer contribution / active EE | $1,446 | $2,904-50.2% | $4,577-68.4% | $2,596-44.3% |
| Participant deferral / active EE | $2,598 | $4,642-44.0% | $6,326-58.9% | $4,274-39.2% |
| Admin fee / account holder | $3,466 | $10,210-66.1% | $17,523-80.2% | $7,775-55.4% |