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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 | $6,979 | $50,902-86.3% | $155,534-95.5% | $77,736-91.0% |
| Participation rate | 33.4% | 63.1%-29.7pp | 78.2%-44.8pp | 70.6%-37.1pp |
| Annual return | 16.13% | 34.85%-18.7pp | 64.92%-48.8pp | 31.26%-15.1pp |
| Employer contribution / active EE | $79 | $1,991-96.0% | $4,675-98.3% | $2,728-97.1% |
| Participant deferral / active EE | $1,020 | $2,824-63.9% | $5,630-81.9% | $4,651-78.1% |
| Admin fee / account holder | $1,392 | $437+218.6% | $15,900-91.2% | $433+221.3% |