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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 | $15,264 | $91,536-83.3% | $130,062-88.3% | $75,177-79.7% |
| Participation rate | 35.9% | 71.5%-35.5pp | 78.5%-42.6pp | 67.2%-31.3pp |
| Annual return | 22.70% | -631.62%+654.3pp | -137.37%+160.1pp | 160.75%-138.0pp |
| Employer contribution / active EE | $1,244 | $2,845-56.3% | $4,322-71.2% | $2,671-53.4% |
| Participant deferral / active EE | $2,074 | $4,343-52.3% | $5,821-64.4% | $4,126-49.8% |
| Admin fee / account holder | $3,255 | $6,780-52.0% | $10,601-69.3% | $5,651-42.4% |