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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 | $8,157 | $43,496-81.2% | $161,489-94.9% | $64,340-87.3% |
| Participation rate | 26.3% | 53.5%-27.2pp | 78.7%-52.4pp | 55.2%-28.9pp |
| Annual return | 21.51% | 20.76%+0.8pp | 89.72%-68.2pp | 24.14%-2.6pp |
| Employer contribution / active EE | $99 | $1,431-93.1% | $4,268-97.7% | $1,862-94.7% |
| Participant deferral / active EE | $682 | $1,996-65.8% | $5,630-87.9% | $2,980-77.1% |
| Admin fee / account holder | $1,590 | $2,330-31.8% | $16,006-90.1% | $3,703-57.1% |