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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 | $15,143 | $64,716-76.6% | $112,258-86.5% | $68,495-77.9% |
| Participation rate | 68.2% | 67.2%+1.0pp | 75.1%-6.9pp | 67.9%+0.3pp |
| Annual return | -17.67% | -11.40%-6.3pp | 27.47%-45.1pp | -7.84%-9.8pp |
| Employer contribution / active EE | $1,107 | $2,746-59.7% | $3,636-69.6% | $2,596-57.4% |
| Participant deferral / active EE | $2,351 | $3,565-34.0% | $4,728-50.3% | $4,028-41.6% |
| Admin fee / account holder | $1,947 | $5,232-62.8% | $6,411-69.6% | $5,403-64.0% |