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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 | $16,856 | $125,797-86.6% | $170,057-90.1% | $75,177-77.6% |
| Participation rate | 52.8% | 83.6%-30.8pp | 87.0%-34.2pp | 67.2%-14.4pp |
| Annual return | 83.26% | 27.20%+56.1pp | 53.42%+29.8pp | 160.75%-77.5pp |
| Employer contribution / active EE | $7 | $4,616-99.8% | $6,790-99.9% | $2,671-99.7% |
| Participant deferral / active EE | $5,081 | $6,838-25.7% | $10,411-51.2% | $4,126+23.1% |
| Admin fee / account holder | $380 | $8,177-95.4% | $12,826-97.0% | $5,651-93.3% |