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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 | $8,803 | $72,492-87.9% | $87,102-89.9% | $72,983-87.9% |
| Participation rate | 59.2% | 72.8%-13.6pp | 76.9%-17.7pp | 69.5%-10.3pp |
| Annual return | 73.71% | 24.46%+49.3pp | 28.19%+45.5pp | 81.01%-7.3pp |
| Employer contribution / active EE | $1,231 | $1,894-35.0% | $2,521-51.2% | $2,440-49.5% |
| Participant deferral / active EE | $1,779 | $3,270-45.6% | $4,048-56.1% | $3,608-50.7% |
| Admin fee / account holder | $743 | $5,055-85.3% | $7,491-90.1% | $5,124-85.5% |