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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 | $21,106 | $70,002-69.8% | $115,038-81.7% | $52,331-59.7% |
| Participation rate | 64.0% | 72.1%-8.1pp | 81.4%-17.3pp | 68.1%-4.1pp |
| Annual return | -1.22% | 4.04%-5.3pp | 26.14%-27.4pp | 4.54%-5.8pp |
| Employer contribution / active EE | $2,366 | $2,715-12.8% | $4,608-48.6% | $1,882+25.7% |
| Participant deferral / active EE | $3,899 | $4,920-20.7% | $6,026-35.3% | $3,022+29.0% |
| Admin fee / account holder | $1,439 | $566+154.2% | $8,175-82.4% | $592+143.2% |