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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 | $7,295 | $111,814-93.5% | $103,378-92.9% | $145,978-95.0% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 30.65% | 24.80%+5.8pp | 24.91%+5.7pp | 550.52%-519.9pp |
| Employer contribution / active EE | $268 | $4,215-93.6% | $3,870-93.1% | $4,662-94.3% |
| Participant deferral / active EE | $2,714 | $5,618-51.7% | $5,058-46.3% | $6,690-59.4% |
| Admin fee / account holder | $947 | $9,764-90.3% | $8,401-88.7% | $13,400-92.9% |