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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 | $4,630 | $58,627-92.1% | $76,735-94.0% | $82,448-94.4% |
| Participation rate | 65.8% | 63.2%+2.5pp | 69.5%-3.7pp | 68.1%-2.3pp |
| Annual return | 14.20% | 39.10%-24.9pp | 29.77%-15.6pp | 41.64%-27.4pp |
| Employer contribution / active EE | $292 | $1,729-83.1% | $2,454-88.1% | $2,551-88.5% |
| Participant deferral / active EE | $1,676 | $3,134-46.5% | $4,088-59.0% | $4,139-59.5% |
| Admin fee / account holder | $1,839 | $5,323-65.5% | $7,189-74.4% | $7,234-74.6% |