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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 | $11,235 | $131,835-91.5% | $108,582-89.7% | $273,972-95.9% |
| Participation rate | 45.5% | 83.5%-38.0pp | 79.6%-34.1pp | 83.0%-37.6pp |
| Annual return | 11.58% | -91.57%+103.2pp | -51.70%+63.3pp | 41.46%-29.9pp |
| Employer contribution / active EE | $1,162 | $4,913-76.3% | $3,758-69.1% | $4,869-76.1% |
| Participant deferral / active EE | $2,220 | $5,127-56.7% | $4,311-48.5% | $5,287-58.0% |
| Admin fee / account holder | $909 | $10,253-91.1% | $7,645-88.1% | $10,133-91.0% |