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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 | $15,803 | $71,878-78.0% | $86,698-81.8% | $68,486-76.9% |
| Participation rate | 48.7% | 72.2%-23.5pp | 76.6%-27.9pp | 67.9%-19.2pp |
| Annual return | -17.16% | 3.53%-20.7pp | 35.95%-53.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $1,070 | $2,173-50.8% | $2,837-62.3% | $2,597-58.8% |
| Participant deferral / active EE | $2,093 | $3,779-44.6% | $4,656-55.0% | $4,028-48.0% |
| Admin fee / account holder | $814 | $6,113-86.7% | $7,493-89.1% | $5,404-84.9% |