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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 | $16,343 | $72,404-77.4% | $110,243-85.2% | $64,173-74.5% |
| Participation rate | 44.7% | 73.3%-28.6pp | 79.8%-35.1pp | 69.6%-24.8pp |
| Annual return | -3.42% | -6.29%+2.9pp | 314.76%-318.2pp | 7.63%-11.1pp |
| Employer contribution / active EE | $778 | $2,282-65.9% | $3,827-79.7% | $2,381-67.3% |
| Participant deferral / active EE | $1,660 | $3,469-52.1% | $4,672-64.5% | $3,470-52.2% |
| Admin fee / account holder | $3,090 | $5,664-45.4% | $8,548-63.8% | $4,887-36.8% |