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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 | $1,211 | $22,602-94.6% | $65,566-98.2% | $75,173-98.4% |
| Participation rate | 62.5% | 63.1%-0.6pp | 64.9%-2.4pp | 67.2%-4.7pp |
| Annual return | 60.40% | 71.13%-10.7pp | 47.40%+13.0pp | 160.72%-100.3pp |
| Employer contribution / active EE | $543 | $941-42.3% | $1,692-67.9% | $2,671-79.7% |
| Participant deferral / active EE | $1,393 | $1,695-17.8% | $2,832-50.8% | $4,126-66.2% |
| Admin fee / account holder | $578 | $1,877-69.2% | $4,114-85.9% | $5,651-89.8% |