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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 | $22,694 | $131,835-82.8% | $108,582-79.1% | $273,972-91.7% |
| Participation rate | 50.0% | 83.5%-33.5pp | 79.6%-29.6pp | 83.0%-33.0pp |
| Annual return | 8.58% | -91.57%+100.2pp | -51.70%+60.3pp | 41.46%-32.9pp |
| Employer contribution / active EE | $2,389 | $4,913-51.4% | $3,758-36.4% | $4,869-50.9% |
| Participant deferral / active EE | $3,470 | $5,127-32.3% | $4,311-19.5% | $5,287-34.4% |
| Admin fee / account holder | $401 | $10,253-96.1% | $7,645-94.7% | $10,133-96.0% |