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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 | $14,887 | $106,008-86.0% | $92,240-83.9% | $147,586-89.9% |
| Participation rate | 60.0% | 80.4%-20.4pp | 76.5%-16.5pp | 82.8%-22.8pp |
| Annual return | 14.18% | 50.05%-35.9pp | 176.29%-162.1pp | 578.59%-564.4pp |
| Employer contribution / active EE | $950 | $4,333-78.1% | $3,680-74.2% | $4,876-80.5% |
| Participant deferral / active EE | $3,003 | $4,478-33.0% | $3,897-23.0% | $5,439-44.8% |
| Admin fee / account holder | $1,485 | $6,333-76.5% | $5,194-71.4% | $10,886-86.4% |