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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 | $3,510 | $55,889-93.7% | $76,119-95.4% | $80,935-95.7% |
| Participation rate | 69.6% | 62.1%+7.5pp | 69.1%+0.5pp | 67.7%+1.9pp |
| Annual return | 17.02% | 20.58%-3.6pp | 361.25%-344.2pp | 35.66%-18.6pp |
| Employer contribution / active EE | $588 | $1,866-68.5% | $2,693-78.2% | $2,757-78.7% |
| Participant deferral / active EE | $1,228 | $3,051-59.7% | $4,259-71.2% | $4,299-71.4% |
| Admin fee / account holder | $654 | $5,241-87.5% | $6,421-89.8% | $6,924-90.5% |