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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 | $4,598 | $63,354-92.7% | $94,105-95.1% | $82,637-94.4% |
| Participation rate | 64.3% | 63.8%+0.5pp | 71.9%-7.7pp | 68.1%-3.8pp |
| Annual return | 45.24% | 34.36%+10.9pp | 204.55%-159.3pp | 53.51%-8.3pp |
| Employer contribution / active EE | $1,570 | $1,760-10.8% | $2,504-37.3% | $2,552-38.5% |
| Participant deferral / active EE | $1,329 | $2,873-53.8% | $3,881-65.8% | $4,126-67.8% |
| Admin fee / account holder | $300 | $5,073-94.1% | $6,199-95.2% | $7,339-95.9% |