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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 | $3,956 | $52,353-92.4% | $120,225-96.7% | $82,448-95.2% |
| Participation rate | 50.0% | 58.3%-8.3pp | 69.6%-19.6pp | 68.1%-18.1pp |
| Annual return | 19.57% | 61.85%-42.3pp | 439.23%-419.7pp | 41.64%-22.1pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $989 | $2,627-62.4% | $3,999-75.3% | $4,139-76.1% |
| Admin fee / account holder | $1,134 | $4,363-74.0% | $5,696-80.1% | $7,234-84.3% |