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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 | $12,205 | $55,470-78.0% | $155,556-92.2% | $74,478-83.6% |
| Participation rate | 43.7% | 61.9%-18.2pp | 78.2%-34.5pp | 67.2%-23.5pp |
| Annual return | 12.17% | 269.80%-257.6pp | 64.84%-52.7pp | 1370.56%-1358.4pp |
| Employer contribution / active EE | $819 | $2,267-63.9% | $4,675-82.5% | $2,626-68.8% |
| Participant deferral / active EE | $1,433 | $2,838-49.5% | $5,631-74.5% | $4,350-67.1% |
| Admin fee / account holder | $449 | $1,744-74.3% | $15,885-97.2% | $1,946-76.9% |