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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 | $25,795 | $101,591-74.6% | $147,096-82.5% | $74,429-65.3% |
| Participation rate | 43.5% | 75.5%-32.0pp | 82.2%-38.6pp | 67.2%-23.7pp |
| Annual return | 14.94% | 8746.45%-8731.5pp | 419.75%-404.8pp | 1368.38%-1353.4pp |
| Employer contribution / active EE | $604 | $3,813-84.2% | $4,936-87.8% | $2,625-77.0% |
| Participant deferral / active EE | $3,255 | $7,302-55.4% | $8,071-59.7% | $4,348-25.1% |
| Admin fee / account holder | $4,066 | $1,750+132.3% | $13,005-68.7% | $1,944+109.1% |