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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 | $10,462 | $68,852-84.8% | $120,524-91.3% | $80,925-87.1% |
| Participation rate | 29.8% | 61.6%-31.8pp | 71.9%-42.1pp | 67.7%-37.8pp |
| Annual return | 12.62% | 23.67%-11.0pp | 107.36%-94.7pp | 35.65%-23.0pp |
| Employer contribution / active EE | $178 | $2,063-91.4% | $3,469-94.9% | $2,756-93.5% |
| Participant deferral / active EE | $1,223 | $3,187-61.6% | $4,994-75.5% | $4,299-71.6% |
| Admin fee / account holder | $599 | $5,781-89.6% | $9,440-93.7% | $6,940-91.4% |