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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 | $7,231 | $48,570-85.1% | $130,660-94.5% | $72,983-90.1% |
| Participation rate | 44.8% | 58.6%-13.8pp | 71.7%-27.0pp | 69.5%-24.7pp |
| Annual return | 31.81% | 38.63%-6.8pp | 1709.29%-1677.5pp | 81.01%-49.2pp |
| Employer contribution / active EE | $793 | $1,334-40.5% | $4,092-80.6% | $2,440-67.5% |
| Participant deferral / active EE | $1,403 | $2,384-41.2% | $3,603-61.1% | $3,608-61.1% |
| Admin fee / account holder | $522 | $3,549-85.3% | $5,463-90.4% | $5,124-89.8% |