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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 | $14,191 | $58,493-75.7% | $84,023-83.1% | $72,976-80.6% |
| Participation rate | 16.7% | 61.2%-44.6pp | 69.0%-52.4pp | 69.5%-52.8pp |
| Annual return | 22.16% | 28.93%-6.8pp | 71.32%-49.2pp | 81.02%-58.9pp |
| Employer contribution / active EE | $64 | $1,163-94.5% | $1,984-96.8% | $2,440-97.4% |
| Participant deferral / active EE | $1,181 | $2,394-50.7% | $3,239-63.6% | $3,608-67.3% |
| Admin fee / account holder | $1,809 | $4,569-60.4% | $6,102-70.3% | $5,124-64.7% |