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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 | $2,273 | $51,638-95.6% | $68,368-96.7% | $82,448-97.2% |
| Participation rate | 69.5% | 63.6%+5.9pp | 73.8%-4.2pp | 68.1%+1.4pp |
| Annual return | 19.24% | 37.53%-18.3pp | 292.57%-273.3pp | 41.64%-22.4pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $805 | $2,914-72.4% | $4,123-80.5% | $4,139-80.5% |
| Admin fee / account holder | $503 | $4,643-89.2% | $5,150-90.2% | $7,234-93.0% |