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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 | $4,922 | $38,365-87.2% | $84,637-94.2% | $65,186-92.5% |
| Participation rate | 49.2% | 55.7%-6.5pp | 68.2%-19.1pp | 70.2%-21.0pp |
| Annual return | 21.06% | 32.00%-10.9pp | 258.82%-237.8pp | 29.39%-8.3pp |
| Employer contribution / active EE | $47 | $1,258-96.3% | $2,653-98.2% | $2,177-97.9% |
| Participant deferral / active EE | $801 | $2,278-64.8% | $3,900-79.5% | $3,514-77.2% |
| Admin fee / account holder | $334 | $451-26.1% | $4,914-93.2% | $847-60.6% |