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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 | $4,060 | $51,222-92.1% | $70,544-94.2% | $75,173-94.6% |
| Participation rate | 62.7% | 61.0%+1.8pp | 68.4%-5.6pp | 67.2%-4.5pp |
| Annual return | 135.15% | 30.06%+105.1pp | 32.79%+102.4pp | 160.72%-25.6pp |
| Employer contribution / active EE | $800 | $1,827-56.2% | $2,976-73.1% | $2,671-70.0% |
| Participant deferral / active EE | $2,687 | $2,850-5.7% | $4,568-41.2% | $4,126-34.9% |
| Admin fee / account holder | $527 | $4,096-87.1% | $6,427-91.8% | $5,651-90.7% |