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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 | $4,037 | $51,166-92.1% | $70,544-94.3% | $71,511-94.4% |
| Participation rate | 61.0% | 59.4%+1.6pp | 68.4%-7.4pp | 67.9%-6.9pp |
| Annual return | 120.36% | 42.71%+77.6pp | 32.79%+87.6pp | 28.86%+91.5pp |
| Employer contribution / active EE | $580 | $1,793-67.6% | $2,976-80.5% | $2,589-77.6% |
| Participant deferral / active EE | $1,591 | $3,031-47.5% | $4,568-65.2% | $4,291-62.9% |
| Admin fee / account holder | $416 | $2,000-79.2% | $6,427-93.5% | $1,588-73.8% |