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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 | $23,300 | $81,870-71.5% | $119,622-80.5% | $68,486-66.0% |
| Participation rate | 45.3% | 71.9%-26.6pp | 79.3%-34.0pp | 67.9%-22.6pp |
| Annual return | -18.21% | -23.82%+5.6pp | -14.98%-3.2pp | -7.85%-10.4pp |
| Employer contribution / active EE | $886 | $2,692-67.1% | $4,232-79.1% | $2,597-65.9% |
| Participant deferral / active EE | $3,251 | $4,148-21.6% | $5,601-42.0% | $4,028-19.3% |
| Admin fee / account holder | $731 | $6,583-88.9% | $10,328-92.9% | $5,404-86.5% |