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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 | $14,060 | $131,835-89.3% | $108,582-87.1% | $273,972-94.9% |
| Participation rate | 54.5% | 83.5%-28.9pp | 79.6%-25.0pp | 83.0%-28.5pp |
| Annual return | 12.76% | -91.57%+104.3pp | -51.70%+64.5pp | 41.46%-28.7pp |
| Employer contribution / active EE | $1,643 | $4,913-66.6% | $3,758-56.3% | $4,869-66.3% |
| Participant deferral / active EE | $2,715 | $5,127-47.1% | $4,311-37.0% | $5,287-48.7% |
| Admin fee / account holder | $1,304 | $10,253-87.3% | $7,645-82.9% | $10,133-87.1% |