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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 | $8,327 | $46,697-82.2% | $117,533-92.9% | $68,486-87.8% |
| Participation rate | 53.8% | 56.8%-2.9pp | 70.6%-16.8pp | 67.9%-14.0pp |
| Annual return | 0.00% | -14.52%+14.5pp | 29.77%-29.8pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,823 | $1,506+21.1% | $4,179-56.4% | $2,597-29.8% |
| Participant deferral / active EE | $2,915 | $2,637+10.5% | $4,072-28.4% | $4,028-27.6% |
| Admin fee / account holder | $4,388 | $4,023+9.1% | $5,647-22.3% | $5,404-18.8% |