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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 | $8,238 | $45,050-81.7% | $63,018-86.9% | $70,126-88.3% |
| Participation rate | 19.4% | 69.5%-50.2pp | 74.8%-55.4pp | 69.5%-50.2pp |
| Annual return | 25.15% | 18.76%+6.4pp | 87.62%-62.5pp | 73.15%-48.0pp |
| Employer contribution / active EE | $223 | $2,052-89.2% | $2,761-91.9% | $2,343-90.5% |
| Participant deferral / active EE | $927 | $2,466-62.4% | $3,330-72.1% | $3,332-72.2% |
| Admin fee / account holder | $2,241 | $2,834-20.9% | $3,601-37.8% | $4,645-51.8% |