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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 | $16,079 | $102,422-84.3% | $147,117-89.1% | $80,959-80.1% |
| Participation rate | 37.0% | 75.9%-38.9pp | 82.2%-45.2pp | 67.7%-30.7pp |
| Annual return | 14.00% | 135.16%-121.2pp | 420.54%-406.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $371 | $3,717-90.0% | $4,932-92.5% | $2,757-86.5% |
| Participant deferral / active EE | $2,981 | $6,652-55.2% | $8,065-63.0% | $4,300-30.7% |
| Admin fee / account holder | $5,506 | $7,953-30.8% | $12,993-57.6% | $6,925-20.5% |