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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 | $10,148 | $81,504-87.5% | $102,437-90.1% | $80,959-87.5% |
| Participation rate | 54.3% | 66.9%-12.5pp | 74.5%-20.2pp | 67.7%-13.3pp |
| Annual return | 17.84% | 25.60%-7.8pp | 24.95%-7.1pp | 35.67%-17.8pp |
| Employer contribution / active EE | $1,143 | $3,104-63.2% | $3,871-70.5% | $2,757-58.5% |
| Participant deferral / active EE | $2,274 | $3,871-41.3% | $5,060-55.1% | $4,300-47.1% |
| Admin fee / account holder | $1,551 | $6,719-76.9% | $8,388-81.5% | $6,925-77.6% |