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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 | $20,533 | $68,398-70.0% | $94,664-78.3% | $75,173-72.7% |
| Participation rate | 50.0% | 76.1%-26.1pp | 80.8%-30.8pp | 67.2%-17.2pp |
| Annual return | 215.94% | 616.72%-400.8pp | 156.84%+59.1pp | 160.72%+55.2pp |
| Employer contribution / active EE | $9 | $2,701-99.7% | $3,673-99.7% | $2,671-99.7% |
| Participant deferral / active EE | $5,979 | $6,537-8.5% | $7,417-19.4% | $4,126+44.9% |
| Admin fee / account holder | $2,531 | $5,324-52.5% | $7,222-65.0% | $5,651-55.2% |