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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 | $7,268 | $45,900-84.2% | $94,057-92.3% | $64,340-88.7% |
| Participation rate | 31.6% | 50.6%-19.0pp | 73.3%-41.8pp | 55.2%-23.7pp |
| Annual return | 22.29% | 50.47%-28.2pp | 480.62%-458.3pp | 24.14%-1.9pp |
| Employer contribution / active EE | $41 | $1,612-97.5% | $2,933-98.6% | $1,862-97.8% |
| Participant deferral / active EE | $526 | $2,102-75.0% | $4,709-88.8% | $2,980-82.3% |
| Admin fee / account holder | $1,936 | $3,143-38.4% | $7,244-73.3% | $3,703-47.7% |