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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 | $3,540 | $49,896-92.9% | $80,627-95.6% | $75,173-95.3% |
| Participation rate | 65.3% | 55.3%+10.0pp | 67.0%-1.7pp | 67.2%-1.9pp |
| Annual return | 84.36% | 34.67%+49.7pp | 936.76%-852.4pp | 160.72%-76.4pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,723-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,414 | $2,992-52.7% | $4,443-68.2% | $4,126-65.7% |
| Admin fee / account holder | $1,211 | $3,578-66.2% | $5,381-77.5% | $5,651-78.6% |