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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 | $25,820 | $101,591-74.6% | $147,096-82.4% | $74,429-65.3% |
| Participation rate | 55.6% | 75.5%-19.9pp | 82.2%-26.5pp | 67.2%-11.6pp |
| Annual return | 14.96% | 8746.45%-8731.5pp | 419.75%-404.8pp | 1368.38%-1353.4pp |
| Employer contribution / active EE | $817 | $3,813-78.6% | $4,936-83.4% | $2,625-68.9% |
| Participant deferral / active EE | $4,025 | $7,302-44.9% | $8,071-50.1% | $4,348-7.4% |
| Admin fee / account holder | $2,385 | $1,750+36.3% | $13,005-81.7% | $1,944+22.6% |