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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 | $10,223 | $75,959-86.5% | $154,114-93.4% | $64,181-84.1% |
| Participation rate | 43.9% | 70.4%-26.6pp | 83.0%-39.2pp | 69.6%-25.7pp |
| Annual return | 40.76% | 30.32%+10.4pp | 735.16%-694.4pp | 7.63%+33.1pp |
| Employer contribution / active EE | $598 | $3,350-82.2% | $5,298-88.7% | $2,381-74.9% |
| Participant deferral / active EE | $1,609 | $3,175-49.3% | $5,081-68.3% | $3,470-53.6% |
| Admin fee / account holder | $353 | $5,589-93.7% | $13,411-97.4% | $4,887-92.8% |