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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 | $12,046 | $59,834-79.9% | $79,576-84.9% | $68,495-82.4% |
| Participation rate | 42.0% | 61.1%-19.1pp | 69.5%-27.5pp | 67.9%-25.9pp |
| Annual return | -19.21% | -12.30%-6.9pp | 0.15%-19.4pp | -7.84%-11.4pp |
| Employer contribution / active EE | $666 | $1,505-55.8% | $2,413-72.4% | $2,596-74.4% |
| Participant deferral / active EE | $1,291 | $3,024-57.3% | $3,985-67.6% | $4,028-67.9% |
| Admin fee / account holder | $760 | $4,835-84.3% | $6,834-88.9% | $5,403-85.9% |