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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 | $10,990 | $83,485-86.8% | $125,180-91.2% | $72,983-84.9% |
| Participation rate | 63.2% | 73.3%-10.2pp | 79.8%-16.6pp | 69.5%-6.3pp |
| Annual return | 21.30% | 25.78%-4.5pp | 43.79%-22.5pp | 81.01%-59.7pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,035 | $3,586-43.2% | $4,937-58.8% | $3,608-43.6% |
| Admin fee / account holder | $1,149 | $5,518-79.2% | $9,703-88.2% | $5,124-77.6% |