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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 | $8,157 | $41,016-80.1% | $152,093-94.6% | $64,097-87.3% |
| Participation rate | 26.3% | 51.3%-25.0pp | 77.8%-51.4pp | 55.2%-28.8pp |
| Annual return | 21.51% | 39.60%-18.1pp | 66.36%-44.8pp | 34.64%-13.1pp |
| Employer contribution / active EE | $99 | $1,342-92.6% | $4,175-97.6% | $1,891-94.8% |
| Participant deferral / active EE | $682 | $1,927-64.6% | $5,451-87.5% | $3,080-77.8% |
| Admin fee / account holder | $1,590 | $2,305-31.0% | $14,497-89.0% | $3,454-54.0% |