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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 | $12,330 | $131,835-90.6% | $108,582-88.6% | $273,972-95.5% |
| Participation rate | 62.5% | 83.5%-21.0pp | 79.6%-17.1pp | 83.0%-20.5pp |
| Annual return | 14.25% | -91.57%+105.8pp | -51.70%+65.9pp | 41.46%-27.2pp |
| Employer contribution / active EE | $1,663 | $4,913-66.2% | $3,758-55.8% | $4,869-65.9% |
| Participant deferral / active EE | $1,936 | $5,127-62.2% | $4,311-55.1% | $5,287-63.4% |
| Admin fee / account holder | $1,173 | $10,253-88.6% | $7,645-84.7% | $10,133-88.4% |