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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 | $9,933 | $98,776-89.9% | $149,745-93.4% | $79,856-87.6% |
| Participation rate | 58.3% | 75.8%-17.5pp | 82.5%-24.1pp | 69.6%-11.3pp |
| Annual return | 19.33% | 27.38%-8.0pp | 276.72%-257.4pp | 31.71%-12.4pp |
| Employer contribution / active EE | $586 | $3,217-81.8% | $4,646-87.4% | $2,471-76.3% |
| Participant deferral / active EE | $6,969 | $5,681+22.7% | $6,843+1.8% | $3,741+86.3% |
| Admin fee / account holder | $1,540 | $6,053-74.6% | $9,312-83.5% | $5,306-71.0% |