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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 | $2,723 | $49,896-94.5% | $80,627-96.6% | $75,173-96.4% |
| Participation rate | 61.4% | 55.3%+6.1pp | 67.0%-5.6pp | 67.2%-5.8pp |
| Annual return | 15.12% | 34.67%-19.6pp | 936.76%-921.6pp | 160.72%-145.6pp |
| Employer contribution / active EE | $140 | $1,699-91.7% | $2,723-94.8% | $2,671-94.7% |
| Participant deferral / active EE | $1,450 | $2,992-51.5% | $4,443-67.4% | $4,126-64.9% |
| Admin fee / account holder | $347 | $3,578-90.3% | $5,381-93.5% | $5,651-93.9% |