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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 | $5,399 | $56,431-90.4% | $130,788-95.9% | $87,485-93.8% |
| Participation rate | 65.7% | 58.9%+6.8pp | 70.1%-4.4pp | 68.9%-3.2pp |
| Annual return | 14.24% | 91.27%-77.0pp | 386.44%-372.2pp | 26.06%-11.8pp |
| Employer contribution / active EE | $408 | $1,549-73.6% | $3,558-88.5% | $2,596-84.3% |
| Participant deferral / active EE | $1,174 | $2,749-57.3% | $4,137-71.6% | $4,274-72.5% |
| Admin fee / account holder | $634 | $4,433-85.7% | $6,673-90.5% | $7,775-91.8% |