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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 | $17,145 | $102,429-83.3% | $147,096-88.3% | $80,925-78.8% |
| Participation rate | 67.9% | 75.9%-8.0pp | 82.2%-14.3pp | 67.7%+0.2pp |
| Annual return | 25.90% | 135.02%-109.1pp | 419.75%-393.8pp | 35.65%-9.7pp |
| Employer contribution / active EE | $1,586 | $3,716-57.3% | $4,936-67.9% | $2,756-42.5% |
| Participant deferral / active EE | $2,736 | $6,649-58.8% | $8,071-66.1% | $4,299-36.3% |
| Admin fee / account holder | $617 | $7,957-92.2% | $13,005-95.3% | $6,940-91.1% |