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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 | $22,940 | $71,873-68.1% | $86,698-73.5% | $68,490-66.5% |
| Participation rate | 42.9% | 72.2%-29.4pp | 76.6%-33.7pp | 67.9%-25.0pp |
| Annual return | -11.99% | 3.54%-15.5pp | 35.96%-48.0pp | -7.85%-4.1pp |
| Employer contribution / active EE | $1,282 | $2,173-41.0% | $2,837-54.8% | $2,597-50.6% |
| Participant deferral / active EE | $1,861 | $3,779-50.8% | $4,656-60.0% | $4,028-53.8% |
| Admin fee / account holder | $1,143 | $6,110-81.3% | $7,492-84.7% | $5,403-78.8% |