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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 | $5,330 | $48,364-89.0% | $71,796-92.6% | $62,881-91.5% |
| Participation rate | 28.9% | 60.6%-31.7pp | 69.1%-40.2pp | 69.3%-40.4pp |
| Annual return | 65.53% | 13.16%+52.4pp | 78.04%-12.5pp | 20.14%+45.4pp |
| Employer contribution / active EE | $660 | $1,042-36.7% | $1,924-65.7% | $2,281-71.1% |
| Participant deferral / active EE | $962 | $2,091-54.0% | $2,794-65.6% | $3,203-70.0% |
| Admin fee / account holder | $373 | $3,771-90.1% | $4,815-92.2% | $4,296-91.3% |