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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 | $13,899 | $41,377-66.4% | $109,313-87.3% | $62,881-77.9% |
| Participation rate | 43.3% | 57.5%-14.3pp | 71.3%-28.0pp | 69.3%-26.0pp |
| Annual return | 5.50% | 11.05%-5.5pp | 22.07%-16.6pp | 20.14%-14.6pp |
| Employer contribution / active EE | $193 | $1,276-84.9% | $3,892-95.0% | $2,281-91.5% |
| Participant deferral / active EE | $1,569 | $2,045-23.3% | $3,166-50.5% | $3,203-51.0% |
| Admin fee / account holder | $757 | $2,884-73.8% | $5,666-86.6% | $4,296-82.4% |