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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 | $8,301 | $87,106-90.5% | $105,607-92.1% | $80,935-89.7% |
| Participation rate | 48.6% | 70.4%-21.8pp | 75.3%-26.6pp | 67.7%-19.0pp |
| Annual return | 10.87% | 17.01%-6.1pp | 116.11%-105.2pp | 35.66%-24.8pp |
| Employer contribution / active EE | $160 | $2,396-93.3% | $3,167-95.0% | $2,757-94.2% |
| Participant deferral / active EE | $1,696 | $3,986-57.4% | $5,011-66.2% | $4,299-60.5% |
| Admin fee / account holder | $676 | $8,447-92.0% | $10,958-93.8% | $6,924-90.2% |