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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 | $14,063 | $110,137-87.2% | $161,149-91.3% | $82,637-83.0% |
| Participation rate | 51.4% | 72.4%-20.9pp | 78.8%-27.4pp | 68.1%-16.6pp |
| Annual return | 24.63% | 20.69%+3.9pp | 21.16%+3.5pp | 53.51%-28.9pp |
| Employer contribution / active EE | $1,396 | $2,856-51.1% | $4,360-68.0% | $2,552-45.3% |
| Participant deferral / active EE | $2,760 | $4,575-39.7% | $6,153-55.1% | $4,126-33.1% |
| Admin fee / account holder | $842 | $9,467-91.1% | $15,194-94.5% | $7,339-88.5% |