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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 | $12,176 | $46,697-73.9% | $117,533-89.6% | $68,486-82.2% |
| Participation rate | 66.7% | 56.8%+9.9pp | 70.6%-3.9pp | 67.9%-1.2pp |
| Annual return | -17.91% | -14.52%-3.4pp | 29.77%-47.7pp | -7.85%-10.1pp |
| Employer contribution / active EE | $869 | $1,506-42.3% | $4,179-79.2% | $2,597-66.5% |
| Participant deferral / active EE | $2,678 | $2,637+1.5% | $4,072-34.2% | $4,028-33.5% |
| Admin fee / account holder | $499 | $4,023-87.6% | $5,647-91.2% | $5,404-90.8% |