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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 | $10,901 | $99,345-89.0% | $84,753-87.1% | $273,972-96.0% |
| Participation rate | 45.0% | 80.7%-35.7pp | 76.6%-31.6pp | 83.0%-38.0pp |
| Annual return | 8.10% | 22.93%-14.8pp | 22.78%-14.7pp | 41.46%-33.4pp |
| Employer contribution / active EE | $824 | $4,214-80.5% | $3,574-77.0% | $4,869-83.1% |
| Participant deferral / active EE | $1,436 | $4,270-66.4% | $3,712-61.3% | $5,287-72.8% |
| Admin fee / account holder | $913 | $6,645-86.3% | $5,333-82.9% | $10,133-91.0% |