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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 | $12,591 | $106,008-88.1% | $92,240-86.3% | $147,586-91.5% |
| Participation rate | 55.0% | 80.4%-25.4pp | 76.5%-21.5pp | 82.8%-27.8pp |
| Annual return | 23.54% | 50.05%-26.5pp | 176.29%-152.7pp | 578.59%-555.0pp |
| Employer contribution / active EE | $1,775 | $4,333-59.0% | $3,680-51.8% | $4,876-63.6% |
| Participant deferral / active EE | $2,421 | $4,478-45.9% | $3,897-37.9% | $5,439-55.5% |
| Admin fee / account holder | $793 | $6,333-87.5% | $5,194-84.7% | $10,886-92.7% |