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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 | $11,869 | $50,637-76.6% | $86,582-86.3% | $62,293-80.9% |
| Participation rate | 13.9% | 67.9%-54.0pp | 73.5%-59.6pp | 69.5%-55.6pp |
| Annual return | 21.84% | 20.80%+1.0pp | 965.08%-943.2pp | 28.90%-7.1pp |
| Employer contribution / active EE | $34 | $2,075-98.4% | $2,839-98.8% | $2,042-98.3% |
| Participant deferral / active EE | $870 | $2,611-66.7% | $3,609-75.9% | $3,169-72.5% |
| Admin fee / account holder | $325 | $413-21.4% | $4,904-93.4% | $479-32.3% |