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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 | $12,889 | $48,274-73.3% | $63,244-79.6% | $59,633-78.4% |
| Participation rate | 25.6% | 66.3%-40.7pp | 71.0%-45.4pp | 68.7%-43.0pp |
| Annual return | -0.17% | -240.79%+240.6pp | -70.31%+70.1pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $820 | $1,586-48.3% | $2,322-64.7% | $2,203-62.8% |
| Participant deferral / active EE | $1,660 | $2,343-29.1% | $2,953-43.8% | $3,192-48.0% |
| Admin fee / account holder | $1,444 | $3,600-59.9% | $5,893-75.5% | $4,297-66.4% |