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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 | $18,347 | $93,589-80.4% | $135,942-86.5% | $75,181-75.6% |
| Participation rate | 50.0% | 75.2%-25.2pp | 81.9%-31.9pp | 67.2%-17.2pp |
| Annual return | 16.55% | 30.90%-14.4pp | 68.28%-51.7pp | 160.69%-144.1pp |
| Employer contribution / active EE | $192 | $3,537-94.6% | $4,858-96.0% | $2,671-92.8% |
| Participant deferral / active EE | $2,660 | $6,405-58.5% | $7,759-65.7% | $4,126-35.5% |
| Admin fee / account holder | $4,461 | $6,977-36.1% | $10,764-58.6% | $5,650-21.0% |