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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 | $4,725 | $48,327-90.2% | $67,575-93.0% | $80,935-94.2% |
| Participation rate | 55.6% | 66.4%-10.9pp | 72.9%-17.4pp | 67.7%-12.1pp |
| Annual return | 12.31% | 18.31%-6.0pp | 3528.98%-3516.7pp | 35.66%-23.3pp |
| Employer contribution / active EE | $364 | $2,022-82.0% | $2,736-86.7% | $2,757-86.8% |
| Participant deferral / active EE | $795 | $2,927-72.9% | $4,003-80.1% | $4,299-81.5% |
| Admin fee / account holder | $413 | $3,692-88.8% | $3,993-89.7% | $6,924-94.0% |