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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 | $8,323 | $77,638-89.3% | $156,551-94.7% | $62,881-86.8% |
| Participation rate | 35.1% | 71.2%-36.1pp | 84.0%-48.9pp | 69.3%-34.2pp |
| Annual return | 77.34% | 50.33%+27.0pp | 32.23%+45.1pp | 20.14%+57.2pp |
| Employer contribution / active EE | $125 | $3,444-96.4% | $5,501-97.7% | $2,281-94.5% |
| Participant deferral / active EE | $2,040 | $3,046-33.0% | $4,871-58.1% | $3,203-36.3% |
| Admin fee / account holder | $388 | $5,561-93.0% | $13,028-97.0% | $4,296-91.0% |