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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 | $5,257 | $62,592-91.6% | $85,709-93.9% | $85,847-93.9% |
| Participation rate | 23.7% | 61.1%-37.4pp | 69.9%-46.2pp | 69.3%-45.6pp |
| Annual return | 20.52% | 23.77%-3.3pp | 21.49%-1.0pp | 318.61%-298.1pp |
| Employer contribution / active EE | $291 | $1,755-83.4% | $2,619-88.9% | $2,565-88.6% |
| Participant deferral / active EE | $1,160 | $2,802-58.6% | $3,924-70.4% | $3,952-70.6% |
| Admin fee / account holder | $699 | $4,643-85.0% | $6,876-89.8% | $6,261-88.8% |