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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 | $7,764 | $73,978-89.5% | $96,515-92.0% | $75,173-89.7% |
| Participation rate | 41.4% | 66.4%-25.0pp | 74.3%-33.0pp | 67.2%-25.8pp |
| Annual return | 64.86% | 26.72%+38.1pp | 35.73%+29.1pp | 160.72%-95.9pp |
| Employer contribution / active EE | $1,262 | $2,931-56.9% | $3,740-66.2% | $2,671-52.7% |
| Participant deferral / active EE | $1,975 | $3,660-46.0% | $4,880-59.5% | $4,126-52.1% |
| Admin fee / account holder | $1,001 | $5,219-80.8% | $6,735-85.1% | $5,651-82.3% |