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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 | $7,390 | $81,331-90.9% | $155,534-95.2% | $80,935-90.9% |
| Participation rate | 43.2% | 66.3%-23.0pp | 78.2%-35.0pp | 67.7%-24.4pp |
| Annual return | 12.67% | 33.37%-20.7pp | 64.92%-52.2pp | 35.66%-23.0pp |
| Employer contribution / active EE | $233 | $3,105-92.5% | $4,675-95.0% | $2,757-91.5% |
| Participant deferral / active EE | $1,239 | $3,454-64.1% | $5,630-78.0% | $4,299-71.2% |
| Admin fee / account holder | $808 | $7,999-89.9% | $15,900-94.9% | $6,924-88.3% |