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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 | $6,693 | $77,416-91.4% | $69,464-90.4% | $152,897-95.6% |
| Participation rate | 26.1% | 78.1%-52.0pp | 74.6%-48.5pp | 82.5%-56.4pp |
| Annual return | 86.58% | 39.08%+47.5pp | 28.98%+57.6pp | 345.43%-258.9pp |
| Employer contribution / active EE | $298 | $3,315-91.0% | $2,779-89.3% | $4,764-93.7% |
| Participant deferral / active EE | $1,291 | $4,413-70.7% | $3,536-63.5% | $5,851-77.9% |
| Admin fee / account holder | $845 | $6,208-86.4% | $3,840-78.0% | $11,599-92.7% |