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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 | $19,259 | $71,197-72.9% | $93,669-79.4% | $80,925-76.2% |
| Participation rate | 64.7% | 60.4%+4.3pp | 68.7%-4.0pp | 67.7%-3.0pp |
| Annual return | 12.45% | 11.27%+1.2pp | 133.59%-121.1pp | 35.65%-23.2pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,424-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,568 | $4,036-11.6% | $4,416-19.2% | $4,299-17.0% |
| Admin fee / account holder | $709 | $6,959-89.8% | $8,291-91.5% | $6,940-89.8% |