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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 | $4,725 | $48,284-90.2% | $67,524-93.0% | $80,911-94.2% |
| Participation rate | 55.6% | 66.4%-10.8pp | 72.9%-17.3pp | 67.6%-12.1pp |
| Annual return | 12.31% | 18.27%-6.0pp | 3519.41%-3507.1pp | 35.63%-23.3pp |
| Employer contribution / active EE | $364 | $2,021-82.0% | $2,734-86.7% | $2,756-86.8% |
| Participant deferral / active EE | $795 | $2,927-72.8% | $4,001-80.1% | $4,297-81.5% |
| Admin fee / account holder | $413 | $3,688-88.8% | $4,001-89.7% | $6,935-94.0% |