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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 | $3,144 | $59,440-94.7% | $78,004-96.0% | $82,637-96.2% |
| Participation rate | 61.2% | 62.8%-1.6pp | 69.4%-8.3pp | 68.1%-6.9pp |
| Annual return | 21.16% | 40.24%-19.1pp | 31.07%-9.9pp | 53.51%-32.3pp |
| Employer contribution / active EE | $135 | $1,750-92.3% | $2,469-94.5% | $2,552-94.7% |
| Participant deferral / active EE | $1,651 | $3,138-47.4% | $4,092-59.6% | $4,126-60.0% |
| Admin fee / account holder | $1,501 | $5,504-72.7% | $7,578-80.2% | $7,339-79.5% |