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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 | $4,869 | $55,713-91.3% | $75,901-93.6% | $72,975-93.3% |
| Participation rate | 52.0% | 61.1%-9.1pp | 69.3%-17.3pp | 69.5%-17.5pp |
| Annual return | 57.19% | 27.60%+29.6pp | 30.76%+26.4pp | 81.01%-23.8pp |
| Employer contribution / active EE | $795 | $1,687-52.9% | $2,501-68.2% | $2,440-67.4% |
| Participant deferral / active EE | $1,269 | $2,634-51.8% | $3,603-64.8% | $3,608-64.8% |
| Admin fee / account holder | $418 | $3,980-89.5% | $5,420-92.3% | $5,124-91.8% |