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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 | $9,848 | $49,249-80.0% | $70,476-86.0% | $79,852-87.7% |
| Participation rate | 46.2% | 69.2%-23.0pp | 75.1%-28.9pp | 69.6%-23.5pp |
| Annual return | 8.46% | 30.09%-21.6pp | 109.12%-100.7pp | 31.72%-23.3pp |
| Employer contribution / active EE | $282 | $2,100-86.6% | $2,738-89.7% | $2,471-88.6% |
| Participant deferral / active EE | $869 | $2,769-68.6% | $3,710-76.6% | $3,740-76.8% |
| Admin fee / account holder | $409 | $2,878-85.8% | $3,847-89.4% | $5,306-92.3% |