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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 | $31,712 | $89,739-64.7% | $149,721-78.8% | $62,293-49.1% |
| Participation rate | 35.0% | 85.1%-50.1pp | 87.1%-52.1pp | 69.5%-34.5pp |
| Annual return | 17.01% | 21.01%-4.0pp | 1501.67%-1484.7pp | 28.90%-11.9pp |
| Employer contribution / active EE | $0 | $3,233-100.0% | $5,444-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $3,119 | $4,797-35.0% | $6,568-52.5% | $3,169-1.6% |
| Admin fee / account holder | $2,978 | $551+440.3% | $11,282-73.6% | $479+521.3% |