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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 | $4,510 | $58,241-92.3% | $81,780-94.5% | $80,911-94.4% |
| Participation rate | 57.1% | 63.4%-6.3pp | 72.4%-15.2pp | 67.6%-10.5pp |
| Annual return | 13.63% | 41.73%-28.1pp | 776.27%-762.6pp | 35.63%-22.0pp |
| Employer contribution / active EE | $0 | $2,343-100.0% | $2,914-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,423 | $3,283-56.6% | $4,321-67.1% | $4,297-66.9% |
| Admin fee / account holder | $438 | $4,973-91.2% | $7,384-94.1% | $6,935-93.7% |