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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 | $102,429-85.9% | $147,096-90.2% | $80,925-82.2% |
| Participation rate | 64.5% | 75.9%-11.3pp | 82.2%-17.7pp | 67.7%-3.1pp |
| Annual return | 59.31% | 135.02%-75.7pp | 419.75%-360.4pp | 35.65%+23.7pp |
| Employer contribution / active EE | $249 | $3,716-93.3% | $4,936-95.0% | $2,756-91.0% |
| Participant deferral / active EE | $3,343 | $6,649-49.7% | $8,071-58.6% | $4,299-22.2% |
| Admin fee / account holder | $1,042 | $7,957-86.9% | $13,005-92.0% | $6,940-85.0% |