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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 | $11,148 | $52,580-78.8% | $71,671-84.4% | $70,124-84.1% |
| Participation rate | 38.2% | 60.9%-22.7pp | 68.7%-30.6pp | 69.5%-31.4pp |
| Annual return | 23.39% | 20.25%+3.1pp | 20.65%+2.7pp | 73.14%-49.8pp |
| Employer contribution / active EE | $139 | $1,616-91.4% | $2,460-94.4% | $2,342-94.1% |
| Participant deferral / active EE | $988 | $2,386-58.6% | $3,438-71.3% | $3,332-70.3% |
| Admin fee / account holder | $1,024 | $3,653-72.0% | $5,558-81.6% | $4,645-78.0% |