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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 | $7,318 | $85,171-91.4% | $172,753-95.8% | $72,976-90.0% |
| Participation rate | 29.9% | 70.1%-40.2pp | 82.6%-52.8pp | 69.5%-39.6pp |
| Annual return | 23.39% | 27.32%-3.9pp | 803.00%-779.6pp | 81.02%-57.6pp |
| Employer contribution / active EE | $338 | $3,324-89.8% | $5,144-93.4% | $2,440-86.2% |
| Participant deferral / active EE | $1,088 | $3,260-66.6% | $5,198-79.1% | $3,608-69.8% |
| Admin fee / account holder | $544 | $5,880-90.7% | $13,956-96.1% | $5,124-89.4% |