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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 | $7,597 | $43,496-82.5% | $161,489-95.3% | $64,340-88.2% |
| Participation rate | 55.3% | 53.5%+1.7pp | 78.7%-23.4pp | 55.2%0pp |
| Annual return | 11.59% | 20.76%-9.2pp | 89.72%-78.1pp | 24.14%-12.6pp |
| Employer contribution / active EE | $26 | $1,431-98.2% | $4,268-99.4% | $1,862-98.6% |
| Participant deferral / active EE | $814 | $1,996-59.2% | $5,630-85.5% | $2,980-72.7% |
| Admin fee / account holder | $1,085 | $2,330-53.4% | $16,006-93.2% | $3,703-70.7% |