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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 | $18,603 | $91,537-79.7% | $130,045-85.7% | $75,173-75.3% |
| Participation rate | 69.6% | 71.5%-1.8pp | 78.5%-8.9pp | 67.2%+2.4pp |
| Annual return | 18.14% | -631.55%+649.7pp | -137.30%+155.4pp | 160.72%-142.6pp |
| Employer contribution / active EE | $1,151 | $2,845-59.5% | $4,321-73.4% | $2,671-56.9% |
| Participant deferral / active EE | $2,533 | $4,343-41.7% | $5,820-56.5% | $4,126-38.6% |
| Admin fee / account holder | $887 | $6,780-86.9% | $10,600-91.6% | $5,651-84.3% |