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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 | $7,584 | $84,236-91.0% | $170,435-95.6% | $70,126-89.2% |
| Participation rate | 36.4% | 70.8%-34.5pp | 83.6%-47.2pp | 69.5%-33.2pp |
| Annual return | 19.83% | 23.06%-3.2pp | 205.94%-186.1pp | 73.15%-53.3pp |
| Employer contribution / active EE | $233 | $3,387-93.1% | $5,432-95.7% | $2,343-90.1% |
| Participant deferral / active EE | $1,741 | $3,086-43.6% | $4,939-64.8% | $3,332-47.8% |
| Admin fee / account holder | $313 | $5,698-94.5% | $13,881-97.7% | $4,645-93.3% |