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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 | $13,224 | $102,422-87.1% | $147,117-91.0% | $80,959-83.7% |
| Participation rate | 58.5% | 75.9%-17.3pp | 82.2%-23.6pp | 67.7%-9.1pp |
| Annual return | 20.50% | 135.16%-114.7pp | 420.54%-400.0pp | 35.67%-15.2pp |
| Employer contribution / active EE | $1,387 | $3,717-62.7% | $4,932-71.9% | $2,757-49.7% |
| Participant deferral / active EE | $2,948 | $6,652-55.7% | $8,065-63.4% | $4,300-31.5% |
| Admin fee / account holder | $470 | $7,953-94.1% | $12,993-96.4% | $6,925-93.2% |