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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 | $8,755 | $61,816-85.8% | $97,260-91.0% | $80,935-89.2% |
| Participation rate | 43.8% | 63.5%-19.7pp | 72.7%-28.9pp | 67.7%-23.9pp |
| Annual return | 15.54% | -558.73%+574.3pp | 75.54%-60.0pp | 35.66%-20.1pp |
| Employer contribution / active EE | $266 | $1,836-85.5% | $2,721-90.2% | $2,757-90.4% |
| Participant deferral / active EE | $1,269 | $3,027-58.1% | $4,262-70.2% | $4,299-70.5% |
| Admin fee / account holder | $356 | $5,166-93.1% | $5,640-93.7% | $6,924-94.9% |