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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 | $8,335 | $154,193-94.6% | $130,045-93.6% | $139,466-94.0% |
| Participation rate | 63.6% | 82.0%-18.3pp | 78.5%-14.9pp | 80.3%-16.7pp |
| Annual return | 45.38% | 32.51%+12.9pp | -137.30%+182.7pp | 373.66%-328.3pp |
| Employer contribution / active EE | $1,978 | $5,292-62.6% | $4,321-54.2% | $4,754-58.4% |
| Participant deferral / active EE | $2,674 | $6,709-60.1% | $5,820-54.0% | $6,712-60.2% |
| Admin fee / account holder | $1,708 | $13,989-87.8% | $10,600-83.9% | $11,409-85.0% |