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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 | $11,629 | $48,364-76.0% | $71,796-83.8% | $62,881-81.5% |
| Participation rate | 36.7% | 60.6%-24.0pp | 69.1%-32.4pp | 69.3%-32.6pp |
| Annual return | 31.43% | 13.16%+18.3pp | 78.04%-46.6pp | 20.14%+11.3pp |
| Employer contribution / active EE | $177 | $1,042-83.0% | $1,924-90.8% | $2,281-92.2% |
| Participant deferral / active EE | $1,209 | $2,091-42.2% | $2,794-56.7% | $3,203-62.2% |
| Admin fee / account holder | $483 | $3,771-87.2% | $4,815-90.0% | $4,296-88.8% |