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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 | $8,300 | $59,105-86.0% | $159,991-94.8% | $66,930-87.6% |
| Participation rate | 44.7% | 68.1%-23.4pp | 78.0%-33.3pp | 69.8%-25.1pp |
| Annual return | -8.36% | -12.26%+3.9pp | 408.82%-417.2pp | 1.57%-9.9pp |
| Employer contribution / active EE | $0 | $1,983-100.0% | $4,225-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,588 | $4,395-41.1% | $6,183-58.1% | $4,238-38.9% |
| Admin fee / account holder | $402 | $591-31.9% | $8,715-95.4% | $593-32.2% |