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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 | $6,563 | $46,599-85.9% | $64,101-89.8% | $75,173-91.3% |
| Participation rate | 37.8% | 65.9%-28.2pp | 72.3%-34.5pp | 67.2%-29.4pp |
| Annual return | 25.81% | 26.06%-0.2pp | 33.72%-7.9pp | 160.72%-134.9pp |
| Employer contribution / active EE | $193 | $1,975-90.2% | $2,749-93.0% | $2,671-92.8% |
| Participant deferral / active EE | $1,611 | $2,837-43.2% | $3,881-58.5% | $4,126-61.0% |
| Admin fee / account holder | $1,959 | $2,956-33.7% | $3,070-36.2% | $5,651-65.3% |