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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 | $15,878 | $102,385-84.5% | $147,080-89.2% | $80,935-80.4% |
| Participation rate | 58.7% | 75.9%-17.1pp | 82.2%-23.5pp | 67.7%-8.9pp |
| Annual return | 15.32% | 135.09%-119.8pp | 420.17%-404.9pp | 35.66%-20.3pp |
| Employer contribution / active EE | $394 | $3,717-89.4% | $4,933-92.0% | $2,757-85.7% |
| Participant deferral / active EE | $3,590 | $6,651-46.0% | $8,066-55.5% | $4,299-16.5% |
| Admin fee / account holder | $813 | $7,951-89.8% | $12,989-93.7% | $6,924-88.3% |