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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 | $10,711 | $160,028-93.3% | $147,080-92.7% | $145,884-92.7% |
| Participation rate | 10.0% | 84.0%-74.0pp | 82.2%-72.2pp | 80.3%-70.3pp |
| Annual return | 13.20% | 98.60%-85.4pp | 420.17%-407.0pp | 551.85%-538.6pp |
| Employer contribution / active EE | $1,768 | $5,286-66.6% | $4,933-64.2% | $4,662-62.1% |
| Participant deferral / active EE | $3,830 | $8,422-54.5% | $8,066-52.5% | $6,690-42.8% |
| Admin fee / account holder | $2,309 | $15,030-84.6% | $12,989-82.2% | $13,392-82.8% |