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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 | $6,380 | $65,395-90.2% | $182,558-96.5% | $72,976-91.3% |
| Participation rate | 28.6% | 65.4%-36.9pp | 78.0%-49.4pp | 69.5%-40.9pp |
| Annual return | 29.65% | 27.68%+2.0pp | 148.59%-118.9pp | 81.02%-51.4pp |
| Employer contribution / active EE | $99 | $1,911-94.8% | $4,076-97.6% | $2,440-96.0% |
| Participant deferral / active EE | $1,563 | $3,563-56.1% | $5,526-71.7% | $3,608-56.7% |
| Admin fee / account holder | $2,635 | $4,245-37.9% | $8,594-69.3% | $5,124-48.6% |