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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 | $2,350 | $81,331-97.1% | $155,534-98.5% | $80,935-97.1% |
| Participation rate | 69.6% | 66.3%+3.4pp | 78.2%-8.6pp | 67.7%+2.0pp |
| Annual return | 12.87% | 33.37%-20.5pp | 64.92%-52.0pp | 35.66%-22.8pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,123 | $3,454-67.5% | $5,630-80.0% | $4,299-73.9% |
| Admin fee / account holder | $475 | $7,999-94.1% | $15,900-97.0% | $6,924-93.1% |