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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 | $9,224 | $56,054-83.5% | $171,082-94.6% | $62,881-85.3% |
| Participation rate | 32.3% | 62.9%-30.6pp | 76.7%-44.4pp | 69.3%-37.0pp |
| Annual return | 9.93% | 22.52%-12.6pp | 32.56%-22.6pp | 20.14%-10.2pp |
| Employer contribution / active EE | $218 | $1,731-87.4% | $4,002-94.5% | $2,281-90.4% |
| Participant deferral / active EE | $1,613 | $3,158-48.9% | $4,797-66.4% | $3,203-49.6% |
| Admin fee / account holder | $938 | $3,647-74.3% | $8,520-89.0% | $4,296-78.2% |