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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 | $3,652 | $51,207-92.9% | $70,565-94.8% | $75,177-95.1% |
| Participation rate | 43.3% | 61.0%-17.6pp | 68.4%-25.0pp | 67.2%-23.9pp |
| Annual return | 18.58% | 30.05%-11.5pp | 32.79%-14.2pp | 160.75%-142.2pp |
| Employer contribution / active EE | $0 | $1,826-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $982 | $2,850-65.5% | $4,568-78.5% | $4,126-76.2% |
| Admin fee / account holder | $1,671 | $4,097-59.2% | $6,430-74.0% | $5,651-70.4% |