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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 | $9,607 | $65,027-85.2% | $90,970-89.4% | $79,852-88.0% |
| Participation rate | 48.2% | 61.6%-13.4pp | 69.0%-20.8pp | 69.6%-21.4pp |
| Annual return | 15.86% | 30.45%-14.6pp | 134.58%-118.7pp | 31.72%-15.9pp |
| Employer contribution / active EE | $23 | $1,247-98.2% | $2,122-98.9% | $2,471-99.1% |
| Participant deferral / active EE | $1,296 | $2,512-48.4% | $3,373-61.6% | $3,740-65.3% |
| Admin fee / account holder | $522 | $4,535-88.5% | $5,960-91.2% | $5,306-90.2% |