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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 | $5,473 | $65,566-91.7% | $86,235-93.7% | $75,177-92.7% |
| Participation rate | 60.4% | 60.5%-0.1pp | 69.0%-8.5pp | 67.2%-6.8pp |
| Annual return | 61.75% | 46.07%+15.7pp | 1170.03%-1108.3pp | 160.75%-99.0pp |
| Employer contribution / active EE | $313 | $1,553-79.9% | $2,381-86.9% | $2,671-88.3% |
| Participant deferral / active EE | $2,087 | $3,023-31.0% | $3,987-47.6% | $4,126-49.4% |
| Admin fee / account holder | $405 | $5,470-92.6% | $6,856-94.1% | $5,651-92.8% |