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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 | $4,407 | $76,407-94.2% | $150,298-97.1% | $82,448-94.7% |
| Participation rate | 68.2% | 66.4%+1.8pp | 77.8%-9.6pp | 68.1%+0.1pp |
| Annual return | 19.30% | 39.99%-20.7pp | 62.79%-43.5pp | 41.64%-22.3pp |
| Employer contribution / active EE | $434 | $2,614-83.4% | $4,154-89.6% | $2,551-83.0% |
| Participant deferral / active EE | $923 | $3,214-71.3% | $5,453-83.1% | $4,139-77.7% |
| Admin fee / account holder | $326 | $6,352-94.9% | $14,116-97.7% | $7,234-95.5% |