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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 | $5,717 | $116,190-95.1% | $93,614-93.9% | $152,885-96.3% |
| Participation rate | 14.3% | 78.0%-63.8pp | 75.8%-61.5pp | 82.5%-68.2pp |
| Annual return | 37.48% | 35.96%+1.5pp | 32.76%+4.7pp | 345.39%-307.9pp |
| Employer contribution / active EE | $370 | $3,219-88.5% | $2,718-86.4% | $4,763-92.2% |
| Participant deferral / active EE | $2,222 | $4,604-51.7% | $4,069-45.4% | $5,851-62.0% |
| Admin fee / account holder | $5,325 | $10,749-50.5% | $7,889-32.5% | $11,598-54.1% |