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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 | $3,286 | $51,202-93.6% | $70,548-95.3% | $75,181-95.6% |
| Participation rate | 48.5% | 61.0%-12.5pp | 68.3%-19.9pp | 67.2%-18.7pp |
| Annual return | 21.24% | 30.05%-8.8pp | 32.78%-11.5pp | 160.69%-139.4pp |
| Employer contribution / active EE | $167 | $1,827-90.8% | $2,975-94.4% | $2,671-93.7% |
| Participant deferral / active EE | $1,247 | $2,850-56.2% | $4,567-72.7% | $4,126-69.8% |
| Admin fee / account holder | $582 | $4,094-85.8% | $6,424-90.9% | $5,650-89.7% |