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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 | $12,903 | $154,209-91.6% | $130,062-90.1% | $139,487-90.7% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.5%-28.5pp | 80.3%-30.3pp |
| Annual return | 23.06% | 32.52%-9.5pp | -137.37%+160.4pp | 373.84%-350.8pp |
| Employer contribution / active EE | $1,061 | $5,292-80.0% | $4,322-75.5% | $4,755-77.7% |
| Participant deferral / active EE | $2,542 | $6,709-62.1% | $5,821-56.3% | $6,713-62.1% |
| Admin fee / account holder | $4,741 | $13,988-66.1% | $10,601-55.3% | $11,407-58.4% |