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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 | $5,825 | $72,471-92.0% | $94,215-93.8% | $86,983-93.3% |
| Participation rate | 50.0% | 63.9%-13.9pp | 70.0%-20.0pp | 69.5%-19.5pp |
| Annual return | 12.29% | 26.44%-14.1pp | 28.22%-15.9pp | 25.83%-13.5pp |
| Employer contribution / active EE | $342 | $1,936-82.3% | $2,675-87.2% | $2,584-86.8% |
| Participant deferral / active EE | $1,709 | $3,397-49.7% | $4,276-60.0% | $4,194-59.3% |
| Admin fee / account holder | $1,027 | $6,468-84.1% | $10,216-89.9% | $7,856-86.9% |