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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 | $6,593 | $54,370-87.9% | $82,763-92.0% | $68,490-90.4% |
| Participation rate | 8.2% | 63.9%-55.7pp | 72.6%-64.3pp | 67.9%-59.7pp |
| Annual return | -16.92% | -13.67%-3.2pp | 702.45%-719.4pp | -7.85%-9.1pp |
| Employer contribution / active EE | $566 | $2,219-74.5% | $3,008-81.2% | $2,597-78.2% |
| Participant deferral / active EE | $1,547 | $3,247-52.4% | $4,395-64.8% | $4,028-61.6% |
| Admin fee / account holder | $1,544 | $4,398-64.9% | $5,325-71.0% | $5,403-71.4% |