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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 | $4,174 | $232,540-98.2% | $185,117-97.7% | $147,586-97.2% |
| Participation rate | 66.7% | 82.4%-15.7pp | 77.3%-10.6pp | 82.8%-16.2pp |
| Annual return | 14.59% | 43.03%-28.4pp | 40.50%-25.9pp | 578.59%-564.0pp |
| Employer contribution / active EE | $1,021 | $5,195-80.3% | $4,182-75.6% | $4,876-79.1% |
| Participant deferral / active EE | $3,476 | $5,834-40.4% | $5,045-31.1% | $5,439-36.1% |
| Admin fee / account holder | $121,692 | $10,275+1084.3% | $8,159+1391.4% | $10,886+1017.9% |