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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 | $12,353 | $72,492-83.0% | $87,104-85.8% | $72,975-83.1% |
| Participation rate | 38.0% | 72.8%-34.8pp | 76.9%-38.9pp | 69.5%-31.5pp |
| Annual return | 69.60% | 24.46%+45.1pp | 28.19%+41.4pp | 81.01%-11.4pp |
| Employer contribution / active EE | $431 | $1,894-77.2% | $2,521-82.9% | $2,440-82.3% |
| Participant deferral / active EE | $1,681 | $3,270-48.6% | $4,048-58.5% | $3,608-53.4% |
| Admin fee / account holder | $2,835 | $5,055-43.9% | $7,491-62.2% | $5,124-44.7% |