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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 | $19,672 | $81,504-75.9% | $102,437-80.8% | $80,959-75.7% |
| Participation rate | 41.2% | 66.9%-25.7pp | 74.5%-33.3pp | 67.7%-26.5pp |
| Annual return | 15.88% | 25.60%-9.7pp | 24.95%-9.1pp | 35.67%-19.8pp |
| Employer contribution / active EE | $978 | $3,104-68.5% | $3,871-74.7% | $2,757-64.5% |
| Participant deferral / active EE | $4,092 | $3,871+5.7% | $5,060-19.1% | $4,300-4.9% |
| Admin fee / account holder | $2,610 | $6,719-61.2% | $8,388-68.9% | $6,925-62.3% |