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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 | $9,381 | $77,920-88.0% | $149,723-93.7% | $75,177-87.5% |
| Participation rate | 40.3% | 65.6%-25.3pp | 78.8%-38.5pp | 67.2%-26.9pp |
| Annual return | 17.67% | 31.72%-14.1pp | 134.50%-116.8pp | 160.75%-143.1pp |
| Employer contribution / active EE | $274 | $3,138-91.3% | $4,821-94.3% | $2,671-89.7% |
| Participant deferral / active EE | $1,198 | $3,411-64.9% | $5,682-78.9% | $4,126-71.0% |
| Admin fee / account holder | $629 | $5,951-89.4% | $13,215-95.2% | $5,651-88.9% |