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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 | $28,824 | $94,529-69.5% | $140,019-79.4% | $64,173-55.1% |
| Participation rate | 39.3% | 84.1%-44.8pp | 87.5%-48.2pp | 69.6%-30.3pp |
| Annual return | -6.81% | 7.77%-14.6pp | 651.17%-658.0pp | 7.63%-14.4pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,737 | $5,250-28.8% | $6,927-46.1% | $3,470+7.7% |
| Admin fee / account holder | $3,821 | $6,741-43.3% | $10,705-64.3% | $4,887-21.8% |