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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 | $32,112 | $101,591-68.4% | $147,096-78.2% | $74,429-56.9% |
| Participation rate | 43.9% | 75.5%-31.6pp | 82.2%-38.2pp | 67.2%-23.3pp |
| Annual return | 13.42% | 8746.45%-8733.0pp | 419.75%-406.3pp | 1368.38%-1355.0pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,936-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $4,048 | $7,302-44.6% | $8,071-49.8% | $4,348-6.9% |
| Admin fee / account holder | $9,668 | $1,750+452.5% | $13,005-25.7% | $1,944+397.3% |