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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 | $17,527 | $98,766-82.3% | $149,730-88.3% | $79,852-78.1% |
| Participation rate | 56.5% | 75.8%-19.3pp | 82.5%-26.0pp | 69.6%-13.2pp |
| Annual return | 42.62% | 27.43%+15.2pp | 276.70%-234.1pp | 31.72%+10.9pp |
| Employer contribution / active EE | $518 | $3,217-83.9% | $4,645-88.8% | $2,471-79.0% |
| Participant deferral / active EE | $4,410 | $5,681-22.4% | $6,843-35.5% | $3,740+17.9% |
| Admin fee / account holder | $318 | $6,052-94.7% | $9,310-96.6% | $5,306-94.0% |