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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 | $8,154 | $51,638-84.2% | $129,406-93.7% | $80,959-89.9% |
| Participation rate | 64.7% | 56.9%+7.8pp | 69.6%-4.9pp | 67.7%-3.0pp |
| Annual return | 12.34% | 20.78%-8.4pp | 9468.18%-9455.8pp | 35.67%-23.3pp |
| Employer contribution / active EE | $286 | $1,584-82.0% | $4,155-93.1% | $2,757-89.6% |
| Participant deferral / active EE | $2,031 | $2,670-23.9% | $4,167-51.3% | $4,300-52.8% |
| Admin fee / account holder | $780 | $4,313-81.9% | $7,689-89.9% | $6,925-88.7% |