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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 | $7,817 | $49,891-84.3% | $80,607-90.3% | $75,181-89.6% |
| Participation rate | 59.3% | 55.3%+3.9pp | 67.0%-7.8pp | 67.2%-7.9pp |
| Annual return | 19.26% | 34.67%-15.4pp | 936.11%-916.8pp | 160.69%-141.4pp |
| Employer contribution / active EE | $994 | $1,698-41.5% | $2,724-63.5% | $2,671-62.8% |
| Participant deferral / active EE | $2,066 | $2,991-30.9% | $4,448-53.5% | $4,126-49.9% |
| Admin fee / account holder | $1,042 | $3,578-70.9% | $5,379-80.6% | $5,650-81.5% |