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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 | $8,219 | $76,564-89.3% | $105,582-92.2% | $94,015-91.3% |
| Participation rate | 52.1% | 65.2%-13.1pp | 71.8%-19.7pp | 70.8%-18.7pp |
| Annual return | 23.62% | 20.69%+2.9pp | 18.61%+5.0pp | 17.84%+5.8pp |
| Employer contribution / active EE | $293 | $1,995-85.3% | $2,984-90.2% | $2,790-89.5% |
| Participant deferral / active EE | $1,656 | $3,320-50.1% | $4,353-62.0% | $4,249-61.0% |
| Admin fee / account holder | $787 | $7,129-89.0% | $12,856-93.9% | $8,951-91.2% |