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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 | $14,055 | $91,179-84.6% | $178,499-92.1% | $79,852-82.4% |
| Participation rate | 49.3% | 69.2%-19.9pp | 81.9%-32.6pp | 69.6%-20.3pp |
| Annual return | 20.77% | 24.19%-3.4pp | 151.10%-130.3pp | 31.72%-10.9pp |
| Employer contribution / active EE | $222 | $3,256-93.2% | $5,011-95.6% | $2,471-91.0% |
| Participant deferral / active EE | $2,057 | $3,236-36.4% | $5,202-60.5% | $3,740-45.0% |
| Admin fee / account holder | $834 | $6,749-87.6% | $13,986-94.0% | $5,306-84.3% |