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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 | $11,858 | $95,383-87.6% | $185,837-93.6% | $85,856-86.2% |
| Participation rate | 33.7% | 68.8%-35.0pp | 81.7%-48.0pp | 69.3%-35.6pp |
| Annual return | 16.37% | 23.59%-7.2pp | 122.08%-105.7pp | 318.58%-302.2pp |
| Employer contribution / active EE | $112 | $3,313-96.6% | $5,168-97.8% | $2,565-95.6% |
| Participant deferral / active EE | $1,266 | $3,423-63.0% | $5,568-77.3% | $3,952-68.0% |
| Admin fee / account holder | $1,142 | $7,213-84.2% | $16,241-93.0% | $6,261-81.8% |