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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 | $9,592 | $85,171-88.7% | $172,752-94.4% | $72,975-86.9% |
| Participation rate | 40.7% | 70.1%-29.3pp | 82.6%-41.9pp | 69.5%-28.7pp |
| Annual return | 23.50% | 27.32%-3.8pp | 802.97%-779.5pp | 81.01%-57.5pp |
| Employer contribution / active EE | $393 | $3,324-88.2% | $5,144-92.4% | $2,440-83.9% |
| Participant deferral / active EE | $1,203 | $3,260-63.1% | $5,198-76.9% | $3,608-66.7% |
| Admin fee / account holder | $1,143 | $5,880-80.6% | $13,955-91.8% | $5,124-77.7% |