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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 | $14,414 | $102,422-85.9% | $147,117-90.2% | $80,959-82.2% |
| Participation rate | 64.5% | 75.9%-11.4pp | 82.2%-17.7pp | 67.7%-3.2pp |
| Annual return | 59.31% | 135.16%-75.8pp | 420.54%-361.2pp | 35.67%+23.6pp |
| Employer contribution / active EE | $249 | $3,717-93.3% | $4,932-95.0% | $2,757-91.0% |
| Participant deferral / active EE | $3,343 | $6,652-49.8% | $8,065-58.6% | $4,300-22.3% |
| Admin fee / account holder | $1,042 | $7,953-86.9% | $12,993-92.0% | $6,925-85.0% |