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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 | $5,851 | $81,331-92.8% | $155,534-96.2% | $80,935-92.8% |
| Participation rate | 66.7% | 66.3%+0.4pp | 78.2%-11.6pp | 67.7%-1.0pp |
| Annual return | 16.97% | 33.37%-16.4pp | 64.92%-47.9pp | 35.66%-18.7pp |
| Employer contribution / active EE | $6 | $3,105-99.8% | $4,675-99.9% | $2,757-99.8% |
| Participant deferral / active EE | $3,668 | $3,454+6.2% | $5,630-34.9% | $4,299-14.7% |
| Admin fee / account holder | $521 | $7,999-93.5% | $15,900-96.7% | $6,924-92.5% |