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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 | $5,706 | $57,073-90.0% | $85,126-93.3% | $80,925-92.9% |
| Participation rate | 53.6% | 56.4%-2.8pp | 67.5%-14.0pp | 67.7%-14.1pp |
| Annual return | 12.78% | 21.69%-8.9pp | 66.63%-53.8pp | 35.65%-22.9pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,667 | $3,113-46.4% | $4,523-63.1% | $4,299-61.2% |
| Admin fee / account holder | $1,136 | $4,988-77.2% | $6,160-81.6% | $6,940-83.6% |