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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 | $115,931-87.9% | $185,441-92.4% | $86,983-83.8% |
| Participation rate | 51.4% | 73.6%-22.2pp | 80.3%-28.8pp | 69.5%-18.1pp |
| Annual return | 24.63% | 21.47%+3.2pp | 20.16%+4.5pp | 25.83%-1.2pp |
| Employer contribution / active EE | $1,396 | $2,937-52.5% | $4,672-70.1% | $2,584-46.0% |
| Participant deferral / active EE | $2,760 | $4,551-39.4% | $6,152-55.1% | $4,194-34.2% |
| Admin fee / account holder | $842 | $10,687-92.1% | $17,890-95.3% | $7,856-89.3% |