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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 | $15,128 | $69,590-78.3% | $136,867-88.9% | $94,015-83.9% |
| Participation rate | 61.4% | 66.3%-4.9pp | 74.5%-13.1pp | 70.8%-9.4pp |
| Annual return | 18.69% | 19.62%-0.9pp | 42.97%-24.3pp | 17.84%+0.8pp |
| Employer contribution / active EE | $1,358 | $2,396-43.3% | $3,547-61.7% | $2,790-51.3% |
| Participant deferral / active EE | $1,372 | $3,437-60.1% | $4,924-72.1% | $4,249-67.7% |
| Admin fee / account holder | $426 | $8,912-95.2% | $10,340-95.9% | $8,951-95.2% |