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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 | $18,473 | $89,370-79.3% | $141,197-86.9% | $72,976-74.7% |
| Participation rate | 31.8% | 75.1%-43.4pp | 82.5%-50.7pp | 69.5%-37.7pp |
| Annual return | 37.64% | 111.88%-74.2pp | 71.41%-33.8pp | 81.02%-43.4pp |
| Employer contribution / active EE | $512 | $3,115-83.6% | $4,736-89.2% | $2,440-79.0% |
| Participant deferral / active EE | $3,176 | $5,419-41.4% | $6,710-52.7% | $3,608-12.0% |
| Admin fee / account holder | $2,140 | $5,957-64.1% | $10,265-79.2% | $5,124-58.2% |