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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 | $15,830 | $78,694-79.9% | $67,652-76.6% | $125,389-87.4% |
| Participation rate | 64.3% | 78.8%-14.5pp | 75.7%-11.4pp | 83.2%-18.9pp |
| Annual return | -3.16% | 9.46%-12.6pp | 6625.40%-6628.6pp | 282.24%-285.4pp |
| Employer contribution / active EE | $1,538 | $3,044-49.5% | $2,266-32.1% | $4,866-68.4% |
| Participant deferral / active EE | $2,047 | $4,292-52.3% | $3,560-42.5% | $5,352-61.7% |
| Admin fee / account holder | $1,200 | $7,403-83.8% | $4,821-75.1% | $9,541-87.4% |