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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 | $14,287 | $102,393-86.0% | $147,041-90.3% | $80,911-82.3% |
| Participation rate | 56.8% | 75.9%-19.1pp | 82.2%-25.4pp | 67.6%-10.9pp |
| Annual return | 103.29% | 134.95%-31.7pp | 419.21%-315.9pp | 35.63%+67.7pp |
| Employer contribution / active EE | $603 | $3,715-83.8% | $4,935-87.8% | $2,756-78.1% |
| Participant deferral / active EE | $5,150 | $6,647-22.5% | $8,071-36.2% | $4,297+19.8% |
| Admin fee / account holder | $440 | $7,943-94.5% | $13,006-96.6% | $6,935-93.7% |