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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 | $18,124 | $76,551-76.3% | $123,894-85.4% | $62,881-71.2% |
| Participation rate | 62.9% | 73.0%-10.1pp | 81.4%-18.5pp | 69.3%-6.4pp |
| Annual return | 22.24% | 18.68%+3.6pp | 47.52%-25.3pp | 20.14%+2.1pp |
| Employer contribution / active EE | $1,688 | $2,882-41.4% | $4,617-63.4% | $2,281-26.0% |
| Participant deferral / active EE | $2,916 | $4,840-39.7% | $5,984-51.3% | $3,203-9.0% |
| Admin fee / account holder | $811 | $4,826-83.2% | $8,357-90.3% | $4,296-81.1% |