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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 | $18,776 | $102,382-81.7% | $147,005-87.2% | $80,874-76.8% |
| Participation rate | 66.7% | 75.8%-9.2pp | 82.2%-15.5pp | 67.6%-1.0pp |
| Annual return | 15.04% | 134.89%-119.8pp | 418.76%-403.7pp | 35.62%-20.6pp |
| Employer contribution / active EE | $1,212 | $3,715-67.4% | $4,934-75.4% | $2,756-56.0% |
| Participant deferral / active EE | $4,214 | $6,646-36.6% | $8,070-47.8% | $4,297-1.9% |
| Admin fee / account holder | $480 | $7,942-94.0% | $13,006-96.3% | $6,935-93.1% |