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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 | $13,934 | $57,352-75.7% | $83,830-83.4% | $64,173-78.3% |
| Participation rate | 40.6% | 68.6%-28.0pp | 76.1%-35.5pp | 69.6%-28.9pp |
| Annual return | -7.41% | 11.38%-18.8pp | 850.97%-858.4pp | 7.63%-15.0pp |
| Employer contribution / active EE | $907 | $2,546-64.4% | $3,631-75.0% | $2,381-61.9% |
| Participant deferral / active EE | $1,634 | $2,993-45.4% | $4,082-60.0% | $3,470-52.9% |
| Admin fee / account holder | $544 | $4,046-86.6% | $5,479-90.1% | $4,887-88.9% |