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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 | $13,715 | $113,941-88.0% | $94,229-85.4% | $125,389-89.1% |
| Participation rate | 63.6% | 82.9%-19.3pp | 78.8%-15.1pp | 83.2%-19.6pp |
| Annual return | -1.77% | 5.29%-7.1pp | 10.68%-12.5pp | 282.24%-284.0pp |
| Employer contribution / active EE | $1,271 | $4,727-73.1% | $3,587-64.6% | $4,866-73.9% |
| Participant deferral / active EE | $2,082 | $5,179-59.8% | $4,320-51.8% | $5,352-61.1% |
| Admin fee / account holder | $1,996 | $8,392-76.2% | $6,269-68.2% | $9,541-79.1% |