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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 | $13,520 | $53,128-74.6% | $86,581-84.4% | $70,124-80.7% |
| Participation rate | 35.3% | 65.3%-30.0pp | 73.5%-38.3pp | 69.5%-34.2pp |
| Annual return | 17.55% | 27.66%-10.1pp | 965.06%-947.5pp | 73.14%-55.6pp |
| Employer contribution / active EE | $298 | $2,068-85.6% | $2,840-89.5% | $2,342-87.3% |
| Participant deferral / active EE | $1,394 | $2,695-48.3% | $3,609-61.4% | $3,332-58.2% |
| Admin fee / account holder | $3,895 | $3,584+8.7% | $4,904-20.6% | $4,645-16.2% |