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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 | $9,321 | $49,177-81.0% | $79,467-88.3% | $64,173-85.5% |
| Participation rate | 43.3% | 65.0%-21.7pp | 73.3%-30.0pp | 69.6%-26.2pp |
| Annual return | 0.27% | -1.16%+1.4pp | 718.30%-718.0pp | 7.63%-7.4pp |
| Employer contribution / active EE | $427 | $2,076-79.4% | $2,800-84.8% | $2,381-82.1% |
| Participant deferral / active EE | $1,294 | $2,821-54.1% | $3,704-65.1% | $3,470-62.7% |
| Admin fee / account holder | $2,460 | $3,839-35.9% | $5,104-51.8% | $4,887-49.7% |