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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 | $20,206 | $98,766-79.5% | $149,730-86.5% | $79,852-74.7% |
| Participation rate | 65.7% | 75.8%-10.1pp | 82.5%-16.8pp | 69.6%-3.9pp |
| Annual return | 47.97% | 27.43%+20.5pp | 276.70%-228.7pp | 31.72%+16.2pp |
| Employer contribution / active EE | $34 | $3,217-98.9% | $4,645-99.3% | $2,471-98.6% |
| Participant deferral / active EE | $4,498 | $5,681-20.8% | $6,843-34.3% | $3,740+20.3% |
| Admin fee / account holder | $559 | $6,052-90.8% | $9,310-94.0% | $5,306-89.5% |