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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 | $14,432 | $81,870-82.4% | $119,622-87.9% | $68,486-78.9% |
| Participation rate | 61.9% | 71.9%-10.0pp | 79.3%-17.4pp | 67.9%-6.0pp |
| Annual return | -18.01% | -23.82%+5.8pp | -14.98%-3.0pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,622 | $2,692-39.7% | $4,232-61.7% | $2,597-37.5% |
| Participant deferral / active EE | $3,524 | $4,148-15.1% | $5,601-37.1% | $4,028-12.5% |
| Admin fee / account holder | $1,047 | $6,583-84.1% | $10,328-89.9% | $5,404-80.6% |