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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 | $6,517 | $50,554-87.1% | $67,681-90.4% | $87,485-92.6% |
| Participation rate | 49.4% | 67.7%-18.4pp | 73.7%-24.4pp | 68.9%-19.6pp |
| Annual return | 17.02% | 17.81%-0.8pp | 590.58%-573.6pp | 26.06%-9.0pp |
| Employer contribution / active EE | $141 | $1,988-92.9% | $2,678-94.7% | $2,596-94.6% |
| Participant deferral / active EE | $1,062 | $2,961-64.1% | $3,976-73.3% | $4,274-75.1% |
| Admin fee / account holder | $660 | $4,132-84.0% | $6,100-89.2% | $7,775-91.5% |