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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 | $16,988 | $64,719-73.8% | $112,249-84.9% | $68,486-75.2% |
| Participation rate | 55.2% | 67.2%-11.9pp | 75.1%-19.8pp | 67.9%-12.7pp |
| Annual return | -15.60% | -11.40%-4.2pp | 27.48%-43.1pp | -7.85%-7.7pp |
| Employer contribution / active EE | $812 | $2,747-70.4% | $3,636-77.7% | $2,597-68.7% |
| Participant deferral / active EE | $3,001 | $3,565-15.8% | $4,729-36.5% | $4,028-25.5% |
| Admin fee / account holder | $2,570 | $5,232-50.9% | $6,412-59.9% | $5,404-52.4% |