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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 | $11,152 | $81,504-86.3% | $102,437-89.1% | $80,959-86.2% |
| Participation rate | 68.5% | 66.9%+1.6pp | 74.5%-6.0pp | 67.7%+0.8pp |
| Annual return | 14.37% | 25.60%-11.2pp | 24.95%-10.6pp | 35.67%-21.3pp |
| Employer contribution / active EE | $982 | $3,104-68.4% | $3,871-74.6% | $2,757-64.4% |
| Participant deferral / active EE | $2,264 | $3,871-41.5% | $5,060-55.3% | $4,300-47.4% |
| Admin fee / account holder | $1,072 | $6,719-84.1% | $8,388-87.2% | $6,925-84.5% |