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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 | $2,850 | $55,889-94.9% | $76,119-96.3% | $80,935-96.5% |
| Participation rate | 67.1% | 62.1%+5.0pp | 69.1%-2.0pp | 67.7%-0.6pp |
| Annual return | 14.41% | 20.58%-6.2pp | 361.25%-346.8pp | 35.66%-21.2pp |
| Employer contribution / active EE | $500 | $1,866-73.2% | $2,693-81.4% | $2,757-81.8% |
| Participant deferral / active EE | $1,832 | $3,051-40.0% | $4,259-57.0% | $4,299-57.4% |
| Admin fee / account holder | $354 | $5,241-93.2% | $6,421-94.5% | $6,924-94.9% |