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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 | $10,952 | $77,638-85.9% | $156,551-93.0% | $62,881-82.6% |
| Participation rate | 65.0% | 71.2%-6.2pp | 84.0%-19.0pp | 69.3%-4.3pp |
| Annual return | 6.71% | 50.33%-43.6pp | 32.23%-25.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $201 | $3,444-94.2% | $5,501-96.4% | $2,281-91.2% |
| Participant deferral / active EE | $1,509 | $3,046-50.5% | $4,871-69.0% | $3,203-52.9% |
| Admin fee / account holder | $376 | $5,561-93.2% | $13,028-97.1% | $4,296-91.2% |