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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 | $7,794 | $61,125-87.2% | $94,057-91.7% | $87,485-91.1% |
| Participation rate | 37.5% | 64.1%-26.6pp | 73.3%-35.8pp | 68.9%-31.4pp |
| Annual return | 23.84% | 35.20%-11.4pp | 480.62%-456.8pp | 26.06%-2.2pp |
| Employer contribution / active EE | $416 | $2,136-80.5% | $2,933-85.8% | $2,596-84.0% |
| Participant deferral / active EE | $1,174 | $3,260-64.0% | $4,709-75.1% | $4,274-72.5% |
| Admin fee / account holder | $1,109 | $5,629-80.3% | $7,244-84.7% | $7,775-85.7% |