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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 | $5,248 | $39,132-86.6% | $57,196-90.8% | $62,881-91.7% |
| Participation rate | 52.4% | 70.5%-18.1pp | 75.3%-23.0pp | 69.3%-16.9pp |
| Annual return | 9.97% | 9.24%+0.7pp | 14.59%-4.6pp | 20.14%-10.2pp |
| Employer contribution / active EE | $310 | $1,874-83.5% | $2,683-88.4% | $2,281-86.4% |
| Participant deferral / active EE | $830 | $2,374-65.0% | $3,096-73.2% | $3,203-74.1% |
| Admin fee / account holder | $808 | $2,594-68.9% | $3,141-74.3% | $4,296-81.2% |