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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 | $5,658 | $41,016-86.2% | $152,093-96.3% | $64,097-91.2% |
| Participation rate | 19.5% | 51.3%-31.8pp | 77.8%-58.2pp | 55.2%-35.7pp |
| Annual return | 43.95% | 39.60%+4.4pp | 66.36%-22.4pp | 34.64%+9.3pp |
| Employer contribution / active EE | $102 | $1,342-92.4% | $4,175-97.6% | $1,891-94.6% |
| Participant deferral / active EE | $669 | $1,927-65.3% | $5,451-87.7% | $3,080-78.3% |
| Admin fee / account holder | $2,440 | $2,305+5.9% | $14,497-83.2% | $3,454-29.4% |