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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 | $8,349 | $77,638-89.2% | $156,551-94.7% | $62,881-86.7% |
| Participation rate | 21.6% | 71.2%-49.5pp | 84.0%-62.4pp | 69.3%-47.7pp |
| Annual return | 10.63% | 50.33%-39.7pp | 32.23%-21.6pp | 20.14%-9.5pp |
| Employer contribution / active EE | $340 | $3,444-90.1% | $5,501-93.8% | $2,281-85.1% |
| Participant deferral / active EE | $1,005 | $3,046-67.0% | $4,871-79.4% | $3,203-68.6% |
| Admin fee / account holder | $585 | $5,561-89.5% | $13,028-95.5% | $4,296-86.4% |