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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 | $7,140 | $51,083-86.0% | $70,548-89.9% | $71,495-90.0% |
| Participation rate | 20.5% | 59.4%-38.9pp | 68.3%-47.9pp | 67.9%-47.5pp |
| Annual return | 25.34% | 42.64%-17.3pp | 32.78%-7.4pp | 28.85%-3.5pp |
| Employer contribution / active EE | $153 | $1,791-91.4% | $2,975-94.8% | $2,589-94.1% |
| Participant deferral / active EE | $1,038 | $3,028-65.7% | $4,567-77.3% | $4,291-75.8% |
| Admin fee / account holder | $2,878 | $1,995+44.3% | $6,424-55.2% | $1,588+81.3% |