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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 | $15,048 | $91,536-83.6% | $130,062-88.4% | $75,177-80.0% |
| Participation rate | 55.0% | 71.5%-16.5pp | 78.5%-23.5pp | 67.2%-12.2pp |
| Annual return | 18.22% | -631.62%+649.8pp | -137.37%+155.6pp | 160.75%-142.5pp |
| Employer contribution / active EE | $563 | $2,845-80.2% | $4,322-87.0% | $2,671-78.9% |
| Participant deferral / active EE | $2,337 | $4,343-46.2% | $5,821-59.8% | $4,126-43.4% |
| Admin fee / account holder | $430 | $6,780-93.7% | $10,601-95.9% | $5,651-92.4% |