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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 | $7,699 | $81,487-90.6% | $102,412-92.5% | $80,935-90.5% |
| Participation rate | 48.4% | 66.8%-18.5pp | 74.5%-26.1pp | 67.7%-19.3pp |
| Annual return | 15.32% | 25.60%-10.3pp | 24.94%-9.6pp | 35.66%-20.3pp |
| Employer contribution / active EE | $700 | $3,103-77.5% | $3,870-81.9% | $2,757-74.6% |
| Participant deferral / active EE | $1,724 | $3,871-55.5% | $5,060-65.9% | $4,299-59.9% |
| Admin fee / account holder | $418 | $6,717-93.8% | $8,388-95.0% | $6,924-94.0% |