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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 | $15,207 | $82,674-81.6% | $125,363-87.9% | $68,495-77.8% |
| Participation rate | 55.8% | 75.0%-19.3pp | 82.4%-26.6pp | 67.9%-12.1pp |
| Annual return | -1.85% | -5.97%+4.1pp | 572.15%-574.0pp | -7.84%+6.0pp |
| Employer contribution / active EE | $2,879 | $3,382-14.9% | $4,815-40.2% | $2,596+10.9% |
| Participant deferral / active EE | $5,223 | $6,111-14.5% | $7,447-29.9% | $4,028+29.7% |
| Admin fee / account holder | $768 | $6,276-87.8% | $10,005-92.3% | $5,403-85.8% |