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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 | $17,853 | $90,107-80.2% | $182,262-90.2% | $69,733-74.4% |
| Participation rate | 22.8% | 64.8%-42.0pp | 84.2%-61.4pp | 62.5%-39.6pp |
| Annual return | 37.49% | 95.58%-58.1pp | 140.60%-103.1pp | 15.22%+22.3pp |
| Employer contribution / active EE | $163 | $3,043-94.6% | $5,046-96.8% | $2,250-92.7% |
| Participant deferral / active EE | $2,030 | $5,135-60.5% | $8,276-75.5% | $3,054-33.5% |
| Admin fee / account holder | $1,916 | $3,377-43.3% | $16,712-88.5% | $3,102-38.2% |