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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 | $13,497 | $102,385-86.8% | $147,080-90.8% | $80,935-83.3% |
| Participation rate | 55.6% | 75.9%-20.3pp | 82.2%-26.6pp | 67.7%-12.1pp |
| Annual return | 14.46% | 135.09%-120.6pp | 420.17%-405.7pp | 35.66%-21.2pp |
| Employer contribution / active EE | $523 | $3,717-85.9% | $4,933-89.4% | $2,757-81.0% |
| Participant deferral / active EE | $3,005 | $6,651-54.8% | $8,066-62.8% | $4,299-30.1% |
| Admin fee / account holder | $692 | $7,951-91.3% | $12,989-94.7% | $6,924-90.0% |