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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 | $9,224 | $85,169-89.2% | $172,755-94.7% | $72,983-87.4% |
| Participation rate | 44.6% | 70.1%-25.4pp | 82.6%-38.0pp | 69.5%-24.8pp |
| Annual return | 24.68% | 27.32%-2.6pp | 802.94%-778.3pp | 81.01%-56.3pp |
| Employer contribution / active EE | $220 | $3,324-93.4% | $5,144-95.7% | $2,440-91.0% |
| Participant deferral / active EE | $1,259 | $3,260-61.4% | $5,198-75.8% | $3,608-65.1% |
| Admin fee / account holder | $676 | $5,880-88.5% | $13,955-95.2% | $5,124-86.8% |