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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 | $12,718 | $80,812-84.3% | $160,784-92.1% | $82,448-84.6% |
| Participation rate | 52.5% | 66.2%-13.7pp | 77.0%-24.4pp | 68.1%-15.5pp |
| Annual return | 24.55% | 100.59%-76.0pp | 1803.92%-1779.4pp | 41.64%-17.1pp |
| Employer contribution / active EE | $1,228 | $2,174-43.5% | $3,733-67.1% | $2,551-51.9% |
| Participant deferral / active EE | $1,973 | $4,335-54.5% | $6,293-68.7% | $4,139-52.3% |
| Admin fee / account holder | $1,284 | $7,695-83.3% | $9,717-86.8% | $7,234-82.3% |