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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 | $10,958 | $65,364-83.2% | $92,909-88.2% | $72,975-85.0% |
| Participation rate | 29.2% | 68.3%-39.1pp | 76.0%-46.8pp | 69.5%-40.3pp |
| Annual return | 33.72% | 42.11%-8.4pp | 109.44%-75.7pp | 81.01%-47.3pp |
| Employer contribution / active EE | $332 | $2,594-87.2% | $3,653-90.9% | $2,440-86.4% |
| Participant deferral / active EE | $1,333 | $3,128-57.4% | $4,238-68.5% | $3,608-63.0% |
| Admin fee / account holder | $1,651 | $4,251-61.2% | $5,795-71.5% | $5,124-67.8% |