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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 | $4,597 | $54,679-91.6% | $76,119-94.0% | $74,459-93.8% |
| Participation rate | 59.0% | 60.3%-1.3pp | 69.1%-10.1pp | 67.2%-8.2pp |
| Annual return | 17.74% | 31.90%-14.2pp | 361.25%-343.5pp | 1369.70%-1352.0pp |
| Employer contribution / active EE | $276 | $1,781-84.5% | $2,693-89.8% | $2,626-89.5% |
| Participant deferral / active EE | $1,253 | $3,072-59.2% | $4,259-70.6% | $4,350-71.2% |
| Admin fee / account holder | $1,379 | $2,238-38.4% | $6,421-78.5% | $1,945-29.1% |