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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 | $5,309 | $51,092-89.6% | $76,735-93.1% | $79,634-93.3% |
| Participation rate | 25.4% | 50.2%-24.8pp | 69.5%-44.1pp | 62.5%-37.0pp |
| Annual return | 14.73% | 18.04%-3.3pp | 29.77%-15.0pp | 36.46%-21.7pp |
| Employer contribution / active EE | $57 | $1,519-96.2% | $2,454-97.7% | $2,529-97.7% |
| Participant deferral / active EE | $566 | $2,529-77.6% | $4,088-86.1% | $3,835-85.2% |
| Admin fee / account holder | $943 | $1,865-49.5% | $7,189-86.9% | $1,002-5.9% |