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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 | $9,785 | $64,719-84.9% | $112,249-91.3% | $68,486-85.7% |
| Participation rate | 38.1% | 67.2%-29.1pp | 75.1%-37.0pp | 67.9%-29.8pp |
| Annual return | 44.72% | -11.40%+56.1pp | 27.48%+17.2pp | -7.85%+52.6pp |
| Employer contribution / active EE | $1,519 | $2,747-44.7% | $3,636-58.2% | $2,597-41.5% |
| Participant deferral / active EE | $3,798 | $3,565+6.5% | $4,729-19.7% | $4,028-5.7% |
| Admin fee / account holder | $635 | $5,232-87.9% | $6,412-90.1% | $5,404-88.3% |