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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 | $18,866 | $93,617-79.8% | $135,982-86.1% | $75,177-74.9% |
| Participation rate | 60.7% | 75.2%-14.5pp | 81.9%-21.2pp | 67.2%-6.5pp |
| Annual return | 58.90% | 30.89%+28.0pp | 68.32%-9.4pp | 160.75%-101.8pp |
| Employer contribution / active EE | $59 | $3,538-98.3% | $4,859-98.8% | $2,671-97.8% |
| Participant deferral / active EE | $14,800 | $6,406+131.0% | $7,760+90.7% | $4,126+258.7% |
| Admin fee / account holder | $4,832 | $6,980-30.8% | $10,767-55.1% | $5,651-14.5% |