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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 | $21,600 | $67,411-68.0% | $91,004-76.3% | $70,131-69.2% |
| Participation rate | 36.4% | 71.4%-35.0pp | 75.6%-39.2pp | 69.5%-33.2pp |
| Annual return | 54.00% | -40.16%+94.2pp | 4.60%+49.4pp | 73.14%-19.1pp |
| Employer contribution / active EE | $741 | $1,786-58.5% | $2,456-69.8% | $2,342-68.4% |
| Participant deferral / active EE | $1,859 | $2,823-34.1% | $3,548-47.6% | $3,332-44.2% |
| Admin fee / account holder | $627 | $4,236-85.2% | $5,417-88.4% | $4,645-86.5% |