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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 | $9,617 | $69,444-86.2% | $92,985-89.7% | $87,485-89.0% |
| Participation rate | 61.7% | 63.3%-1.6pp | 69.5%-7.8pp | 68.9%-7.2pp |
| Annual return | 15.03% | 23.85%-8.8pp | 27.99%-13.0pp | 26.06%-11.0pp |
| Employer contribution / active EE | $38 | $1,917-98.0% | $2,662-98.6% | $2,596-98.5% |
| Participant deferral / active EE | $1,691 | $3,364-49.7% | $4,377-61.4% | $4,274-60.4% |
| Admin fee / account holder | $3,235 | $6,137-47.3% | $9,463-65.8% | $7,775-58.4% |