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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 | $108,825-87.1% | $156,181-91.0% | $82,448-82.9% |
| Participation rate | 51.4% | 72.4%-20.9pp | 78.8%-27.4pp | 68.1%-16.6pp |
| Annual return | 24.63% | 20.59%+4.0pp | 64.87%-40.2pp | 41.64%-17.0pp |
| Employer contribution / active EE | $1,396 | $2,870-51.4% | $4,294-67.5% | $2,551-45.3% |
| Participant deferral / active EE | $2,760 | $4,577-39.7% | $6,132-55.0% | $4,139-33.3% |
| Admin fee / account holder | $842 | $9,341-91.0% | $14,586-94.2% | $7,234-88.4% |