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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 | $11,362 | $57,976-80.4% | $63,018-82.0% | $62,293-81.8% |
| Participation rate | 47.4% | 75.9%-28.5pp | 74.8%-27.4pp | 69.5%-22.1pp |
| Annual return | 30.44% | 17.54%+12.9pp | 87.62%-57.2pp | 28.90%+1.5pp |
| Employer contribution / active EE | $514 | $2,415-78.7% | $2,761-81.4% | $2,042-74.8% |
| Participant deferral / active EE | $1,891 | $2,956-36.0% | $3,330-43.2% | $3,169-40.3% |
| Admin fee / account holder | $704 | $276+155.3% | $3,601-80.4% | $479+46.9% |