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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 | $9,311 | $110,410-91.6% | $102,437-90.9% | $145,897-93.6% |
| Participation rate | 44.4% | 77.9%-33.5pp | 74.5%-30.1pp | 80.3%-35.9pp |
| Annual return | 13.32% | 24.85%-11.5pp | 24.95%-11.6pp | 552.29%-539.0pp |
| Employer contribution / active EE | $705 | $4,217-83.3% | $3,871-81.8% | $4,663-84.9% |
| Participant deferral / active EE | $2,519 | $5,622-55.2% | $5,060-50.2% | $6,689-62.3% |
| Admin fee / account holder | $1,451 | $9,745-85.1% | $8,388-82.7% | $13,390-89.2% |