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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 | $2,191 | $51,638-95.8% | $68,368-96.8% | $82,448-97.3% |
| Participation rate | 57.1% | 63.6%-6.5pp | 73.8%-16.6pp | 68.1%-10.9pp |
| Annual return | 21.65% | 37.53%-15.9pp | 292.57%-270.9pp | 41.64%-20.0pp |
| Employer contribution / active EE | $66 | $2,047-96.8% | $2,649-97.5% | $2,551-97.4% |
| Participant deferral / active EE | $538 | $2,914-81.5% | $4,123-86.9% | $4,139-87.0% |
| Admin fee / account holder | $356 | $4,643-92.3% | $5,150-93.1% | $7,234-95.1% |