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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 | $9,125 | $73,839-87.6% | $143,788-93.7% | $68,495-86.7% |
| Participation rate | 57.4% | 66.7%-9.2pp | 80.3%-22.9pp | 67.9%-10.4pp |
| Annual return | -13.60% | 1.01%-14.6pp | -0.03%-13.6pp | -7.84%-5.8pp |
| Employer contribution / active EE | $936 | $3,184-70.6% | $4,952-81.1% | $2,596-64.0% |
| Participant deferral / active EE | $1,970 | $3,384-41.8% | $5,638-65.1% | $4,028-51.1% |
| Admin fee / account holder | $412 | $5,755-92.8% | $14,675-97.2% | $5,403-92.4% |