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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 | $7,757 | $63,342-87.8% | $92,236-91.6% | $70,131-88.9% |
| Participation rate | 65.5% | 68.7%-3.2pp | 76.5%-11.0pp | 69.5%-4.0pp |
| Annual return | 27.49% | 530.15%-502.7pp | 176.29%-148.8pp | 73.14%-45.7pp |
| Employer contribution / active EE | $477 | $2,471-80.7% | $3,679-87.0% | $2,342-79.6% |
| Participant deferral / active EE | $2,443 | $2,854-14.4% | $3,897-37.3% | $3,332-26.7% |
| Admin fee / account holder | $1,078 | $3,840-71.9% | $5,194-79.2% | $4,645-76.8% |