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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 | $5,735 | $49,164-88.3% | $121,169-95.3% | $75,181-92.4% |
| Participation rate | 59.5% | 55.4%+4.1pp | 69.5%-10.0pp | 67.2%-7.7pp |
| Annual return | 16.55% | 56.03%-39.5pp | 986.71%-970.2pp | 160.69%-144.1pp |
| Employer contribution / active EE | $275 | $1,546-82.2% | $4,168-93.4% | $2,671-89.7% |
| Participant deferral / active EE | $1,964 | $2,628-25.3% | $4,083-51.9% | $4,126-52.4% |
| Admin fee / account holder | $438 | $3,942-88.9% | $5,645-92.2% | $5,650-92.2% |