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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 | $8,043 | $77,638-89.6% | $156,551-94.9% | $62,881-87.2% |
| Participation rate | 64.3% | 71.2%-6.9pp | 84.0%-19.7pp | 69.3%-5.0pp |
| Annual return | 5.15% | 50.33%-45.2pp | 32.23%-27.1pp | 20.14%-15.0pp |
| Employer contribution / active EE | $340 | $3,444-90.1% | $5,501-93.8% | $2,281-85.1% |
| Participant deferral / active EE | $1,348 | $3,046-55.7% | $4,871-72.3% | $3,203-57.9% |
| Admin fee / account holder | $320 | $5,561-94.2% | $13,028-97.5% | $4,296-92.5% |