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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 | $7,876 | $77,901-89.9% | $149,717-94.7% | $75,181-89.5% |
| Participation rate | 58.8% | 65.6%-6.8pp | 78.8%-20.0pp | 67.2%-8.4pp |
| Annual return | 16.43% | 31.73%-15.3pp | 134.41%-118.0pp | 160.69%-144.3pp |
| Employer contribution / active EE | $276 | $3,137-91.2% | $4,820-94.3% | $2,671-89.7% |
| Participant deferral / active EE | $1,872 | $3,411-45.1% | $5,682-67.1% | $4,126-54.6% |
| Admin fee / account holder | $3,058 | $5,949-48.6% | $13,213-76.9% | $5,650-45.9% |