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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 | $8,718 | $77,908-88.8% | $149,696-94.2% | $75,173-88.4% |
| Participation rate | 38.6% | 65.6%-27.0pp | 78.8%-40.2pp | 67.2%-28.6pp |
| Annual return | 18.46% | 31.73%-13.3pp | 134.46%-116.0pp | 160.72%-142.3pp |
| Employer contribution / active EE | $211 | $3,138-93.3% | $4,821-95.6% | $2,671-92.1% |
| Participant deferral / active EE | $953 | $3,411-72.1% | $5,682-83.2% | $4,126-76.9% |
| Admin fee / account holder | $3,042 | $5,950-48.9% | $13,212-77.0% | $5,651-46.2% |