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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 | $5,026 | $109,967-95.4% | $97,197-94.8% | $145,877-96.6% |
| Participation rate | 30.0% | 76.0%-46.0pp | 72.7%-42.7pp | 80.3%-50.3pp |
| Annual return | 11.72% | 244.27%-232.5pp | 75.47%-63.7pp | 551.28%-539.6pp |
| Employer contribution / active EE | $0 | $3,077-100.0% | $2,723-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $740 | $4,676-84.2% | $4,263-82.6% | $6,691-88.9% |
| Admin fee / account holder | $506 | $6,199-91.8% | $5,637-91.0% | $13,402-96.2% |