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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 | $78,690-89.0% | $161,489-94.6% | $87,485-90.1% |
| Participation rate | 63.2% | 67.5%-4.2pp | 78.7%-15.5pp | 68.9%-5.7pp |
| Annual return | 13.75% | 32.74%-19.0pp | 89.72%-76.0pp | 26.06%-12.3pp |
| Employer contribution / active EE | $219 | $2,588-91.5% | $4,268-94.9% | $2,596-91.6% |
| Participant deferral / active EE | $1,114 | $3,311-66.4% | $5,630-80.2% | $4,274-73.9% |
| Admin fee / account holder | $2,057 | $6,724-69.4% | $16,006-87.1% | $7,775-73.5% |