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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 | $4,114 | $61,391-93.3% | $149,723-97.3% | $71,529-94.2% |
| Participation rate | 32.5% | 62.5%-30.0pp | 78.8%-46.3pp | 67.9%-35.4pp |
| Annual return | 58.60% | 35.88%+22.7pp | 134.50%-75.9pp | 28.97%+29.6pp |
| Employer contribution / active EE | $251 | $2,384-89.5% | $4,821-94.8% | $2,590-90.3% |
| Participant deferral / active EE | $881 | $2,921-69.8% | $5,682-84.5% | $4,291-79.5% |
| Admin fee / account holder | $1,468 | $1,264+16.2% | $13,215-88.9% | $1,588-7.6% |