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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 | $18,732 | $91,424-79.5% | $135,942-86.2% | $71,495-73.8% |
| Participation rate | 56.5% | 75.7%-19.2pp | 81.9%-25.4pp | 67.9%-11.4pp |
| Annual return | 54.14% | 29.90%+24.2pp | 68.28%-14.1pp | 28.85%+25.3pp |
| Employer contribution / active EE | $9 | $3,704-99.8% | $4,858-99.8% | $2,589-99.7% |
| Participant deferral / active EE | $5,680 | $7,092-19.9% | $7,759-26.8% | $4,291+32.4% |
| Admin fee / account holder | $655 | $1,266-48.2% | $10,764-93.9% | $1,588-58.7% |