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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 | $8,347 | $71,230-88.3% | $93,727-91.1% | $80,959-89.7% |
| Participation rate | 60.9% | 60.4%+0.5pp | 68.7%-7.8pp | 67.7%-6.8pp |
| Annual return | 12.90% | 11.26%+1.6pp | 133.83%-120.9pp | 35.67%-22.8pp |
| Employer contribution / active EE | $485 | $1,565-69.0% | $2,421-80.0% | $2,757-82.4% |
| Participant deferral / active EE | $2,585 | $4,037-36.0% | $4,417-41.5% | $4,300-39.9% |
| Admin fee / account holder | $940 | $6,961-86.5% | $8,292-88.7% | $6,925-86.4% |