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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 | $37,422-85.8% | $92,985-94.3% | $64,728-91.8% |
| Participation rate | 25.4% | 40.1%-14.7pp | 69.5%-44.0pp | 57.9%-32.4pp |
| Annual return | 14.73% | 20.66%-5.9pp | 27.99%-13.3pp | 49.38%-34.6pp |
| Employer contribution / active EE | $57 | $1,156-95.0% | $2,662-97.8% | $2,243-97.4% |
| Participant deferral / active EE | $566 | $1,740-67.5% | $4,377-87.1% | $2,729-79.3% |
| Admin fee / account holder | $943 | $2,190-57.0% | $9,463-90.0% | $1,145-17.7% |