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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 | $15,686 | $72,388-78.3% | $111,392-85.9% | $64,173-75.6% |
| Participation rate | 61.1% | 70.5%-9.4pp | 78.9%-17.7pp | 69.6%-8.5pp |
| Annual return | -6.79% | -1.50%-5.3pp | -2.06%-4.7pp | 7.63%-14.4pp |
| Employer contribution / active EE | $1,478 | $3,000-50.7% | $4,328-65.9% | $2,381-37.9% |
| Participant deferral / active EE | $3,076 | $4,241-27.5% | $5,567-44.8% | $3,470-11.4% |
| Admin fee / account holder | $1,703 | $5,719-70.2% | $12,266-86.1% | $4,887-65.2% |