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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 | $9,312 | $60,139-84.5% | $90,461-89.7% | $79,856-88.3% |
| Participation rate | 44.1% | 65.0%-20.9pp | 72.7%-28.6pp | 69.6%-25.6pp |
| Annual return | 17.98% | 71.96%-54.0pp | 1294.76%-1276.8pp | 31.71%-13.7pp |
| Employer contribution / active EE | $205 | $2,069-90.1% | $3,264-93.7% | $2,471-91.7% |
| Participant deferral / active EE | $1,609 | $2,939-45.2% | $3,964-59.4% | $3,741-57.0% |
| Admin fee / account holder | $367 | $3,978-90.8% | $5,617-93.5% | $5,306-93.1% |