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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 | $69,444-88.2% | $92,985-91.2% | $87,485-90.6% |
| Participation rate | 52.1% | 63.3%-11.2pp | 69.5%-17.4pp | 68.9%-16.8pp |
| Annual return | 23.62% | 23.85%-0.2pp | 27.99%-4.4pp | 26.06%-2.4pp |
| Employer contribution / active EE | $293 | $1,917-84.7% | $2,662-89.0% | $2,596-88.7% |
| Participant deferral / active EE | $1,656 | $3,364-50.8% | $4,377-62.2% | $4,274-61.3% |
| Admin fee / account holder | $787 | $6,137-87.2% | $9,463-91.7% | $7,775-89.9% |