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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 | $5,691 | $78,015-92.7% | $178,505-96.8% | $80,959-93.0% |
| Participation rate | 48.3% | 65.7%-17.3pp | 77.1%-28.8pp | 67.7%-19.3pp |
| Annual return | 12.69% | 18.10%-5.4pp | 27.16%-14.5pp | 35.67%-23.0pp |
| Employer contribution / active EE | $373 | $2,281-83.7% | $3,955-90.6% | $2,757-86.5% |
| Participant deferral / active EE | $1,774 | $4,406-59.7% | $6,280-71.8% | $4,300-58.7% |
| Admin fee / account holder | $612 | $7,160-91.5% | $10,428-94.1% | $6,925-91.2% |