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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 | $10,650 | $77,638-86.3% | $156,551-93.2% | $62,881-83.1% |
| Participation rate | 62.9% | 71.2%-8.3pp | 84.0%-21.1pp | 69.3%-6.4pp |
| Annual return | 8.95% | 50.33%-41.4pp | 32.23%-23.3pp | 20.14%-11.2pp |
| Employer contribution / active EE | $321 | $3,444-90.7% | $5,501-94.2% | $2,281-85.9% |
| Participant deferral / active EE | $1,167 | $3,046-61.7% | $4,871-76.0% | $3,203-63.6% |
| Admin fee / account holder | $1,044 | $5,561-81.2% | $13,028-92.0% | $4,296-75.7% |