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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 | $14,077 | $100,792-86.0% | $86,691-83.8% | $134,509-89.5% |
| Participation rate | 63.6% | 78.9%-15.3pp | 76.6%-12.9pp | 81.2%-17.6pp |
| Annual return | -15.18% | 29.08%-44.3pp | 35.94%-51.1pp | 418.13%-433.3pp |
| Employer contribution / active EE | $1,412 | $3,491-59.6% | $2,837-50.2% | $4,741-70.2% |
| Participant deferral / active EE | $2,675 | $5,339-49.9% | $4,656-42.6% | $6,400-58.2% |
| Admin fee / account holder | $1,892 | $10,924-82.7% | $7,492-74.7% | $11,427-83.4% |