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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 | $11,127 | $61,338-81.9% | $149,717-92.6% | $71,495-84.4% |
| Participation rate | 24.0% | 62.5%-38.5pp | 78.8%-54.8pp | 67.9%-43.9pp |
| Annual return | 82.71% | 35.86%+46.9pp | 134.41%-51.7pp | 28.85%+53.9pp |
| Employer contribution / active EE | $342 | $2,381-85.7% | $4,820-92.9% | $2,589-86.8% |
| Participant deferral / active EE | $1,203 | $2,919-58.8% | $5,682-78.8% | $4,291-72.0% |
| Admin fee / account holder | $1,385 | $1,263+9.7% | $13,213-89.5% | $1,588-12.8% |