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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 | $11,173 | $91,537-87.8% | $130,045-91.4% | $75,173-85.1% |
| Participation rate | 68.0% | 71.5%-3.5pp | 78.5%-10.5pp | 67.2%+0.8pp |
| Annual return | 17.19% | -631.55%+648.7pp | -137.30%+154.5pp | 160.72%-143.5pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,794 | $4,343-35.7% | $5,820-52.0% | $4,126-32.3% |
| Admin fee / account holder | $465 | $6,780-93.1% | $10,600-95.6% | $5,651-91.8% |