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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 | $32,350 | $95,453-66.1% | $112,040-71.1% | $82,448-60.8% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 20.94% | 23.92%-3.0pp | 24.52%-3.6pp | 41.64%-20.7pp |
| Employer contribution / active EE | $2,787 | $2,318+20.3% | $2,954-5.6% | $2,551+9.3% |
| Participant deferral / active EE | $5,496 | $4,224+30.1% | $5,098+7.8% | $4,139+32.8% |
| Admin fee / account holder | $1,255 | $9,013-86.1% | $12,098-89.6% | $7,234-82.7% |