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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 | $12,197 | $50,958-76.1% | $74,552-83.6% | $64,181-81.0% |
| Participation rate | 53.3% | 61.1%-7.8pp | 69.1%-15.9pp | 69.6%-16.3pp |
| Annual return | -6.72% | -1.86%-4.9pp | 32.53%-39.3pp | 7.63%-14.4pp |
| Employer contribution / active EE | $569 | $1,115-49.0% | $1,961-71.0% | $2,381-76.1% |
| Participant deferral / active EE | $1,756 | $2,301-23.7% | $3,108-43.5% | $3,470-49.4% |
| Admin fee / account holder | $2,140 | $4,223-49.3% | $5,060-57.7% | $4,887-56.2% |