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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 | $6,334 | $54,690-88.4% | $76,030-91.7% | $74,478-91.5% |
| Participation rate | 56.0% | 60.3%-4.3pp | 69.1%-13.1pp | 67.2%-11.2pp |
| Annual return | 15.83% | 31.92%-16.1pp | 361.54%-345.7pp | 1370.56%-1354.7pp |
| Employer contribution / active EE | $594 | $1,781-66.7% | $2,688-77.9% | $2,626-77.4% |
| Participant deferral / active EE | $1,089 | $3,070-64.5% | $4,257-74.4% | $4,350-75.0% |
| Admin fee / account holder | $1,253 | $2,240-44.1% | $6,421-80.5% | $1,946-35.6% |