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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 | $9,065 | $80,674-88.8% | $119,126-92.4% | $64,340-85.9% |
| Participation rate | 53.7% | 55.2%-1.5pp | 75.8%-22.0pp | 55.2%-1.5pp |
| Annual return | 19.59% | 26.86%-7.3pp | 282.11%-262.5pp | 24.14%-4.6pp |
| Employer contribution / active EE | $681 | $2,564-73.4% | $4,034-83.1% | $1,862-63.4% |
| Participant deferral / active EE | $1,440 | $3,053-52.9% | $5,318-72.9% | $2,980-51.7% |
| Admin fee / account holder | $361 | $4,559-92.1% | $10,693-96.6% | $3,703-90.3% |