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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 | $5,951 | $215,361-97.2% | $171,082-96.5% | $273,972-97.8% |
| Participation rate | 40.0% | 82.0%-42.0pp | 76.7%-36.7pp | 83.0%-43.0pp |
| Annual return | 7.18% | 25.14%-18.0pp | 32.56%-25.4pp | 41.46%-34.3pp |
| Employer contribution / active EE | $201 | $4,967-96.0% | $4,002-95.0% | $4,869-95.9% |
| Participant deferral / active EE | $967 | $5,543-82.6% | $4,797-79.8% | $5,287-81.7% |
| Admin fee / account holder | $835 | $10,846-92.3% | $8,520-90.2% | $10,133-91.8% |