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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 | $7,366 | $73,848-90.0% | $143,799-94.9% | $68,486-89.2% |
| Participation rate | 55.6% | 66.7%-11.1pp | 80.3%-24.8pp | 67.9%-12.3pp |
| Annual return | -17.61% | 0.91%-18.5pp | -0.04%-17.6pp | -7.85%-9.8pp |
| Employer contribution / active EE | $915 | $3,184-71.3% | $4,952-81.5% | $2,597-64.8% |
| Participant deferral / active EE | $1,344 | $3,385-60.3% | $5,638-76.2% | $4,028-66.6% |
| Admin fee / account holder | $1,862 | $5,755-67.7% | $14,677-87.3% | $5,404-65.6% |