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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 | $12,600 | $52,678-76.1% | $75,784-83.4% | $59,633-78.9% |
| Participation rate | 23.3% | 67.2%-43.9pp | 75.8%-52.5pp | 68.7%-45.3pp |
| Annual return | -0.43% | 2.95%-3.4pp | 9.68%-10.1pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $415 | $2,193-81.1% | $3,323-87.5% | $2,203-81.1% |
| Participant deferral / active EE | $1,220 | $2,591-52.9% | $3,652-66.6% | $3,192-61.8% |
| Admin fee / account holder | $3,286 | $3,610-9.0% | $5,300-38.0% | $4,297-23.5% |