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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 | $7,859 | $105,210-92.5% | $159,487-95.1% | $85,851-90.8% |
| Participation rate | 64.0% | 75.8%-11.8pp | 82.8%-18.8pp | 69.3%-5.3pp |
| Annual return | 75.06% | 45.08%+30.0pp | 263.71%-188.6pp | 318.63%-243.6pp |
| Employer contribution / active EE | $361 | $3,319-89.1% | $4,831-92.5% | $2,565-85.9% |
| Participant deferral / active EE | $4,258 | $5,946-28.4% | $7,354-42.1% | $3,952+7.7% |
| Admin fee / account holder | $693 | $6,934-90.0% | $10,804-93.6% | $6,261-88.9% |