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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 | $7,896 | $57,969-86.4% | $76,327-89.7% | $80,935-90.2% |
| Participation rate | 46.8% | 73.7%-26.9pp | 79.2%-32.4pp | 67.7%-20.9pp |
| Annual return | 16.80% | 15.90%+0.9pp | 13.79%+3.0pp | 35.66%-18.9pp |
| Employer contribution / active EE | $442 | $3,570-87.6% | $4,584-90.3% | $2,757-83.9% |
| Participant deferral / active EE | $1,084 | $3,814-71.6% | $5,478-80.2% | $4,299-74.8% |
| Admin fee / account holder | $1,097 | $5,670-80.7% | $5,139-78.7% | $6,924-84.2% |