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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 | $13,610 | $82,678-83.5% | $125,391-89.1% | $68,490-80.1% |
| Participation rate | 42.5% | 75.1%-32.6pp | 82.4%-39.9pp | 67.9%-25.4pp |
| Annual return | -19.32% | -5.97%-13.3pp | 572.41%-591.7pp | -7.85%-11.5pp |
| Employer contribution / active EE | $1,698 | $3,382-49.8% | $4,816-64.7% | $2,597-34.6% |
| Participant deferral / active EE | $2,831 | $6,111-53.7% | $7,448-62.0% | $4,028-29.7% |
| Admin fee / account holder | $564 | $6,277-91.0% | $10,009-94.4% | $5,403-89.6% |