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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 | $15,541 | $147,556-89.5% | $129,031-88.0% | $198,609-92.2% |
| Participation rate | 50.0% | 77.2%-27.2pp | 73.4%-23.4pp | 82.4%-32.4pp |
| Annual return | 15.94% | 37.41%-21.5pp | 34.67%-18.7pp | 202.70%-186.8pp |
| Employer contribution / active EE | $317 | $3,645-91.3% | $3,226-90.2% | $5,055-93.7% |
| Participant deferral / active EE | $1,676 | $5,760-70.9% | $5,217-67.9% | $6,977-76.0% |
| Admin fee / account holder | $489 | $15,467-96.8% | $13,208-96.3% | $19,030-97.4% |