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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 | $16,161 | $152,612-89.4% | $125,192-87.1% | $152,897-89.4% |
| Participation rate | 45.5% | 83.3%-37.9pp | 79.8%-34.3pp | 82.5%-37.0pp |
| Annual return | 33.78% | 54.85%-21.1pp | 43.79%-10.0pp | 345.43%-311.7pp |
| Employer contribution / active EE | $669 | $4,947-86.5% | $3,866-82.7% | $4,764-86.0% |
| Participant deferral / active EE | $2,189 | $5,868-62.7% | $4,937-55.7% | $5,851-62.6% |
| Admin fee / account holder | $1,379 | $13,437-89.7% | $9,704-85.8% | $11,599-88.1% |