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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 | $9,258 | $157,276-94.1% | $141,177-93.4% | $152,885-93.9% |
| Participation rate | 41.7% | 84.8%-43.2pp | 82.5%-40.8pp | 82.5%-40.8pp |
| Annual return | 26.61% | 64.33%-37.7pp | 71.40%-44.8pp | 345.39%-318.8pp |
| Employer contribution / active EE | $1,465 | $5,262-72.2% | $4,736-69.1% | $4,763-69.2% |
| Participant deferral / active EE | $3,680 | $7,110-48.2% | $6,710-45.2% | $5,851-37.1% |
| Admin fee / account holder | $5,429 | $12,123-55.2% | $10,263-47.1% | $11,598-53.2% |