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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 | $9,318 | $81,358-88.5% | $155,556-94.0% | $80,959-88.5% |
| Participation rate | 41.4% | 66.3%-24.9pp | 78.2%-36.8pp | 67.7%-26.3pp |
| Annual return | 16.52% | 33.39%-16.9pp | 64.84%-48.3pp | 35.67%-19.1pp |
| Employer contribution / active EE | $889 | $3,106-71.4% | $4,675-81.0% | $2,757-67.8% |
| Participant deferral / active EE | $1,781 | $3,455-48.5% | $5,631-68.4% | $4,300-58.6% |
| Admin fee / account holder | $1,607 | $7,994-79.9% | $15,885-89.9% | $6,925-76.8% |