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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 | $17,665 | $93,598-81.1% | $135,974-87.0% | $75,173-76.5% |
| Participation rate | 38.5% | 75.2%-36.7pp | 81.9%-43.5pp | 67.2%-28.7pp |
| Annual return | 51.64% | 30.89%+20.8pp | 68.30%-16.7pp | 160.72%-109.1pp |
| Employer contribution / active EE | $22 | $3,538-99.4% | $4,859-99.5% | $2,671-99.2% |
| Participant deferral / active EE | $6,030 | $6,405-5.9% | $7,760-22.3% | $4,126+46.1% |
| Admin fee / account holder | $4,252 | $6,978-39.1% | $10,767-60.5% | $5,651-24.8% |