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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 | $14,558 | $87,132-83.3% | $105,624-86.2% | $80,959-82.0% |
| Participation rate | 40.5% | 70.4%-29.9pp | 75.3%-34.7pp | 67.7%-27.1pp |
| Annual return | 23.81% | 17.03%+6.8pp | 116.20%-92.4pp | 35.67%-11.9pp |
| Employer contribution / active EE | $268 | $2,397-88.8% | $3,168-91.5% | $2,757-90.3% |
| Participant deferral / active EE | $1,930 | $3,985-51.6% | $5,013-61.5% | $4,300-55.1% |
| Admin fee / account holder | $2,926 | $8,449-65.4% | $10,961-73.3% | $6,925-57.7% |