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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 | $15,282 | $59,819-74.5% | $79,583-80.8% | $68,490-77.7% |
| Participation rate | 46.4% | 61.1%-14.6pp | 69.5%-23.1pp | 67.9%-21.5pp |
| Annual return | -16.26% | -12.30%-4.0pp | 0.16%-16.4pp | -7.85%-8.4pp |
| Employer contribution / active EE | $586 | $1,505-61.0% | $2,414-75.7% | $2,597-77.4% |
| Participant deferral / active EE | $1,993 | $3,025-34.1% | $3,986-50.0% | $4,028-50.5% |
| Admin fee / account holder | $405 | $4,835-91.6% | $6,835-94.1% | $5,403-92.5% |