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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 | $10,871 | $102,429-89.4% | $147,096-92.6% | $80,925-86.6% |
| Participation rate | 58.1% | 75.9%-17.8pp | 82.2%-24.1pp | 67.7%-9.6pp |
| Annual return | 12.17% | 135.02%-122.8pp | 419.75%-407.6pp | 35.65%-23.5pp |
| Employer contribution / active EE | $267 | $3,716-92.8% | $4,936-94.6% | $2,756-90.3% |
| Participant deferral / active EE | $2,665 | $6,649-59.9% | $8,071-67.0% | $4,299-38.0% |
| Admin fee / account holder | $8,181 | $7,957+2.8% | $13,005-37.1% | $6,940+17.9% |