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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 | $10,337 | $73,019-85.8% | $90,766-88.6% | $68,490-84.9% |
| Participation rate | 61.9% | 70.8%-8.9pp | 75.7%-13.8pp | 67.9%-6.0pp |
| Annual return | -17.37% | -13.81%-3.6pp | -12.16%-5.2pp | -7.85%-9.5pp |
| Employer contribution / active EE | $1,547 | $2,193-29.5% | $2,922-47.1% | $2,597-40.4% |
| Participant deferral / active EE | $2,234 | $3,626-38.4% | $4,565-51.1% | $4,028-44.5% |
| Admin fee / account holder | $868 | $5,897-85.3% | $8,446-89.7% | $5,403-83.9% |