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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 | $13,148 | $95,406-86.2% | $185,849-92.9% | $85,847-84.7% |
| Participation rate | 40.7% | 68.8%-28.0pp | 81.7%-41.0pp | 69.3%-28.6pp |
| Annual return | 20.24% | 23.59%-3.3pp | 122.10%-101.9pp | 318.61%-298.4pp |
| Employer contribution / active EE | $358 | $3,314-89.2% | $5,169-93.1% | $2,565-86.0% |
| Participant deferral / active EE | $1,281 | $3,424-62.6% | $5,569-77.0% | $3,952-67.6% |
| Admin fee / account holder | $1,170 | $7,214-83.8% | $16,244-92.8% | $6,261-81.3% |