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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 | $8,897 | $72,027-87.6% | $185,861-95.2% | $79,856-88.9% |
| Participation rate | 38.7% | 65.8%-27.1pp | 78.0%-39.3pp | 69.6%-30.9pp |
| Annual return | 27.28% | 23.13%+4.2pp | 35.96%-8.7pp | 31.71%-4.4pp |
| Employer contribution / active EE | $79 | $1,965-96.0% | $4,088-98.1% | $2,471-96.8% |
| Participant deferral / active EE | $1,548 | $3,780-59.0% | $5,634-72.5% | $3,741-58.6% |
| Admin fee / account holder | $384 | $4,513-91.5% | $9,503-96.0% | $5,306-92.8% |