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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $13,401 | $79,955-83.2% | $98,461-86.4% | $75,173-82.2% |
| Participation rate | 53.5% | 70.4%-16.9pp | 75.2%-21.7pp | 67.2%-13.7pp |
| Annual return | 83.65% | 19.75%+63.9pp | 21.17%+62.5pp | 160.72%-77.1pp |
| Employer contribution / active EE | $545 | $2,264-75.9% | $3,049-82.1% | $2,671-79.6% |
| Participant deferral / active EE | $1,696 | $3,752-54.8% | $4,738-64.2% | $4,126-58.9% |
| Admin fee / account holder | $342 | $6,841-95.0% | $8,961-96.2% | $5,651-93.9% |