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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 | $8,732 | $62,592-86.0% | $85,709-89.8% | $85,847-89.8% |
| Participation rate | 47.7% | 61.1%-13.4pp | 69.9%-22.1pp | 69.3%-21.6pp |
| Annual return | 11.73% | 23.77%-12.0pp | 21.49%-9.8pp | 318.61%-306.9pp |
| Employer contribution / active EE | $77 | $1,755-95.6% | $2,619-97.1% | $2,565-97.0% |
| Participant deferral / active EE | $1,519 | $2,802-45.8% | $3,924-61.3% | $3,952-61.6% |
| Admin fee / account holder | $610 | $4,643-86.9% | $6,876-91.1% | $6,261-90.3% |