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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 | $14,069 | $67,411-79.1% | $91,004-84.5% | $70,126-79.9% |
| Participation rate | 62.1% | 71.4%-9.2pp | 75.6%-13.5pp | 69.5%-7.4pp |
| Annual return | 19.06% | -40.16%+59.2pp | 4.60%+14.5pp | 73.15%-54.1pp |
| Employer contribution / active EE | $1,276 | $1,786-28.5% | $2,456-48.0% | $2,343-45.5% |
| Participant deferral / active EE | $2,527 | $2,823-10.5% | $3,548-28.8% | $3,332-24.2% |
| Admin fee / account holder | $1,942 | $4,236-54.2% | $5,417-64.2% | $4,645-58.2% |