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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 | $4,317 | $71,230-93.9% | $93,727-95.4% | $80,959-94.7% |
| Participation rate | 63.6% | 60.4%+3.2pp | 68.7%-5.1pp | 67.7%-4.0pp |
| Annual return | 17.64% | 11.26%+6.4pp | 133.83%-116.2pp | 35.67%-18.0pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,342 | $4,037-42.0% | $4,417-47.0% | $4,300-45.5% |
| Admin fee / account holder | $1,404 | $6,961-79.8% | $8,292-83.1% | $6,925-79.7% |