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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 | $8,685 | $77,814-88.8% | $158,223-94.5% | $86,983-90.0% |
| Participation rate | 63.2% | 68.4%-5.2pp | 79.2%-16.0pp | 69.5%-6.3pp |
| Annual return | 13.75% | 30.54%-16.8pp | 52.09%-38.3pp | 25.83%-12.1pp |
| Employer contribution / active EE | $219 | $2,592-91.5% | $4,109-94.7% | $2,584-91.5% |
| Participant deferral / active EE | $1,114 | $3,270-65.9% | $5,467-79.6% | $4,194-73.4% |
| Admin fee / account holder | $2,057 | $5,879-65.0% | $16,047-87.2% | $7,856-73.8% |