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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 | $11,628 | $91,179-87.2% | $178,499-93.5% | $79,852-85.4% |
| Participation rate | 68.0% | 69.2%-1.2pp | 81.9%-13.9pp | 69.6%-1.6pp |
| Annual return | 14.23% | 24.19%-10.0pp | 151.10%-136.9pp | 31.72%-17.5pp |
| Employer contribution / active EE | $298 | $3,256-90.8% | $5,011-94.1% | $2,471-87.9% |
| Participant deferral / active EE | $1,735 | $3,236-46.4% | $5,202-66.7% | $3,740-53.6% |
| Admin fee / account holder | $2,169 | $6,749-67.9% | $13,986-84.5% | $5,306-59.1% |