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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 | $8,829 | $70,002-87.4% | $115,038-92.3% | $52,331-83.1% |
| Participation rate | 43.9% | 72.1%-28.2pp | 81.4%-37.5pp | 68.1%-24.2pp |
| Annual return | 21.65% | 4.04%+17.6pp | 26.14%-4.5pp | 4.54%+17.1pp |
| Employer contribution / active EE | $185 | $2,715-93.2% | $4,608-96.0% | $1,882-90.2% |
| Participant deferral / active EE | $2,284 | $4,920-53.6% | $6,026-62.1% | $3,022-24.4% |
| Admin fee / account holder | $692 | $566+22.3% | $8,175-91.5% | $592+17.0% |