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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 | $6,173 | $58,099-89.4% | $76,872-92.0% | $75,173-91.8% |
| Participation rate | 30.8% | 63.9%-33.1pp | 69.6%-38.8pp | 67.2%-36.4pp |
| Annual return | 514.09% | 26.71%+487.4pp | 37.90%+476.2pp | 160.72%+353.4pp |
| Employer contribution / active EE | $414 | $1,996-79.2% | $2,533-83.7% | $2,671-84.5% |
| Participant deferral / active EE | $1,382 | $2,999-53.9% | $3,832-63.9% | $4,126-66.5% |
| Admin fee / account holder | $362 | $4,778-92.4% | $5,476-93.4% | $5,651-93.6% |