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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 | $20,840 | $67,411-69.1% | $91,004-77.1% | $70,126-70.3% |
| Participation rate | 60.0% | 71.4%-11.4pp | 75.6%-15.6pp | 69.5%-9.5pp |
| Annual return | 13.66% | -40.16%+53.8pp | 4.60%+9.1pp | 73.15%-59.5pp |
| Employer contribution / active EE | $863 | $1,786-51.7% | $2,456-64.9% | $2,343-63.2% |
| Participant deferral / active EE | $1,711 | $2,823-39.4% | $3,548-51.8% | $3,332-48.6% |
| Admin fee / account holder | $1,376 | $4,236-67.5% | $5,417-74.6% | $4,645-70.4% |