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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 | $2,733 | $55,902-95.1% | $76,030-96.4% | $80,959-96.6% |
| Participation rate | 66.0% | 62.1%+4.0pp | 69.1%-3.0pp | 67.7%-1.6pp |
| Annual return | 12.34% | 20.59%-8.2pp | 361.54%-349.2pp | 35.67%-23.3pp |
| Employer contribution / active EE | $218 | $1,867-88.3% | $2,688-91.9% | $2,757-92.1% |
| Participant deferral / active EE | $1,040 | $3,051-65.9% | $4,257-75.6% | $4,300-75.8% |
| Admin fee / account holder | $1,403 | $5,239-73.2% | $6,421-78.1% | $6,925-79.7% |