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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 | $3,224 | $45,312-92.9% | $86,233-96.3% | $67,986-95.3% |
| Participation rate | 67.6% | 42.4%+25.2pp | 69.0%-1.4pp | 57.2%+10.4pp |
| Annual return | 119.03% | 24.79%+94.2pp | 61.39%+57.6pp | 31.67%+87.4pp |
| Employer contribution / active EE | $445 | $1,160-61.6% | $2,504-82.2% | $2,019-78.0% |
| Participant deferral / active EE | $1,011 | $2,185-53.7% | $4,559-77.8% | $3,358-69.9% |
| Admin fee / account holder | $4,057 | $3,295+23.1% | $8,342-51.4% | $3,203+26.6% |