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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 | $8,612 | $65,034-86.8% | $90,970-90.5% | $79,856-89.2% |
| Participation rate | 54.0% | 61.6%-7.6pp | 69.0%-15.0pp | 69.6%-15.6pp |
| Annual return | 74.52% | 30.45%+44.1pp | 134.60%-60.1pp | 31.71%+42.8pp |
| Employer contribution / active EE | $1 | $1,247-99.9% | $2,122-99.9% | $2,471-99.9% |
| Participant deferral / active EE | $2,974 | $2,512+18.4% | $3,373-11.8% | $3,741-20.5% |
| Admin fee / account holder | $340 | $4,536-92.5% | $5,961-94.3% | $5,306-93.6% |