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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 | $4,624 | $124,980-96.3% | $108,359-95.7% | $154,746-97.0% |
| Participation rate | 37.5% | 75.2%-37.7pp | 70.1%-32.6pp | 80.7%-43.2pp |
| Annual return | 23.20% | 45.00%-21.8pp | 36.89%-13.7pp | 172.34%-149.1pp |
| Employer contribution / active EE | $278 | $2,851-90.2% | $2,399-88.4% | $4,379-93.7% |
| Participant deferral / active EE | $1,261 | $4,743-73.4% | $4,137-69.5% | $6,730-81.3% |
| Admin fee / account holder | $703 | $11,502-93.9% | $9,741-92.8% | $14,365-95.1% |