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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 | $87,037-90.5% | $106,201-92.2% | $80,874-89.7% |
| Participation rate | 48.6% | 70.4%-21.8pp | 75.3%-26.6pp | 67.6%-19.0pp |
| Annual return | 10.87% | 17.05%-6.2pp | 116.26%-105.4pp | 35.62%-24.7pp |
| Employer contribution / active EE | $160 | $2,396-93.3% | $3,170-95.0% | $2,756-94.2% |
| Participant deferral / active EE | $1,696 | $3,986-57.4% | $5,012-66.2% | $4,297-60.5% |
| Admin fee / account holder | $676 | $8,434-92.0% | $11,039-93.9% | $6,935-90.3% |