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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 | $9,436 | $48,078-80.4% | $78,676-88.0% | $62,881-85.0% |
| Participation rate | 54.1% | 65.2%-11.2pp | 73.6%-19.5pp | 69.3%-15.3pp |
| Annual return | 8.52% | 31.36%-22.8pp | 62.19%-53.7pp | 20.14%-11.6pp |
| Employer contribution / active EE | $122 | $2,015-94.0% | $2,850-95.7% | $2,281-94.7% |
| Participant deferral / active EE | $2,115 | $2,587-18.2% | $3,517-39.9% | $3,203-34.0% |
| Admin fee / account holder | $470 | $3,206-85.3% | $4,510-89.6% | $4,296-89.1% |