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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 | $3,699 | $93,346-96.0% | $71,796-94.8% | $273,972-98.6% |
| Participation rate | 31.3% | 76.5%-45.3pp | 69.1%-37.9pp | 83.0%-51.8pp |
| Annual return | 84.16% | 130.39%-46.2pp | 78.04%+6.1pp | 41.46%+42.7pp |
| Employer contribution / active EE | $157 | $2,733-94.3% | $1,924-91.9% | $4,869-96.8% |
| Participant deferral / active EE | $897 | $3,475-74.2% | $2,794-67.9% | $5,287-83.0% |
| Admin fee / account holder | $662 | $6,571-89.9% | $4,815-86.2% | $10,133-93.5% |