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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 | $8,452 | $73,978-88.6% | $96,515-91.2% | $75,173-88.8% |
| Participation rate | 50.0% | 66.4%-16.4pp | 74.3%-24.3pp | 67.2%-17.2pp |
| Annual return | 20.18% | 26.72%-6.5pp | 35.73%-15.5pp | 160.72%-140.5pp |
| Employer contribution / active EE | $656 | $2,931-77.6% | $3,740-82.5% | $2,671-75.4% |
| Participant deferral / active EE | $1,920 | $3,660-47.6% | $4,880-60.7% | $4,126-53.5% |
| Admin fee / account holder | $787 | $5,219-84.9% | $6,735-88.3% | $5,651-86.1% |