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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 | $12,798 | $59,467-78.5% | $93,727-86.3% | $74,478-82.8% |
| Participation rate | 26.4% | 59.6%-33.2pp | 68.7%-42.3pp | 67.2%-40.8pp |
| Annual return | 13.79% | 82.14%-68.3pp | 133.83%-120.0pp | 1370.56%-1356.8pp |
| Employer contribution / active EE | $953 | $1,267-24.7% | $2,421-60.6% | $2,626-63.7% |
| Participant deferral / active EE | $1,560 | $3,052-48.9% | $4,417-64.7% | $4,350-64.1% |
| Admin fee / account holder | $1,243 | $3,028-58.9% | $8,292-85.0% | $1,946-36.1% |