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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 | $5,954 | $57,541-89.7% | $95,740-93.8% | $75,173-92.1% |
| Participation rate | 40.5% | 62.5%-22.0pp | 72.3%-31.8pp | 67.2%-26.7pp |
| Annual return | 18.92% | 34.93%-16.0pp | 28.41%-9.5pp | 160.72%-141.8pp |
| Employer contribution / active EE | $25 | $1,808-98.6% | $2,836-99.1% | $2,671-99.1% |
| Participant deferral / active EE | $1,417 | $3,074-53.9% | $4,244-66.6% | $4,126-65.7% |
| Admin fee / account holder | $770 | $4,099-81.2% | $5,676-86.4% | $5,651-86.4% |