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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 | $21,475 | $102,429-79.0% | $147,096-85.4% | $80,925-73.5% |
| Participation rate | 50.0% | 75.9%-25.9pp | 82.2%-32.2pp | 67.7%-17.7pp |
| Annual return | 20.85% | 135.02%-114.2pp | 419.75%-398.9pp | 35.65%-14.8pp |
| Employer contribution / active EE | $336 | $3,716-91.0% | $4,936-93.2% | $2,756-87.8% |
| Participant deferral / active EE | $3,914 | $6,649-41.1% | $8,071-51.5% | $4,299-9.0% |
| Admin fee / account holder | $379 | $7,957-95.2% | $13,005-97.1% | $6,940-94.5% |