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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 | $15,253 | $73,009-79.1% | $90,760-83.2% | $68,486-77.7% |
| Participation rate | 54.2% | 70.8%-16.7pp | 75.7%-21.5pp | 67.9%-13.7pp |
| Annual return | -17.26% | -13.81%-3.5pp | -12.16%-5.1pp | -7.85%-9.4pp |
| Employer contribution / active EE | $1,378 | $2,193-37.2% | $2,922-52.8% | $2,597-46.9% |
| Participant deferral / active EE | $4,287 | $3,626+18.2% | $4,565-6.1% | $4,028+6.4% |
| Admin fee / account holder | $1,661 | $5,896-71.8% | $8,444-80.3% | $5,404-69.3% |