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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 | $13,137 | $58,828-77.7% | $78,002-83.2% | $62,881-79.1% |
| Participation rate | 54.9% | 71.1%-16.2pp | 75.5%-20.6pp | 69.3%-14.4pp |
| Annual return | 471.12% | 17.16%+454.0pp | 425.99%+45.1pp | 20.14%+451.0pp |
| Employer contribution / active EE | $250 | $1,672-85.1% | $2,470-89.9% | $2,281-89.0% |
| Participant deferral / active EE | $1,567 | $2,686-41.6% | $3,497-55.2% | $3,203-51.1% |
| Admin fee / account holder | $390 | $4,393-91.1% | $5,481-92.9% | $4,296-90.9% |