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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 | $10,400 | $81,664-87.3% | $70,476-85.2% | $158,966-93.5% |
| Participation rate | 53.8% | 77.7%-23.9pp | 75.1%-21.2pp | 82.0%-28.1pp |
| Annual return | 16.63% | 208.59%-192.0pp | 109.12%-92.5pp | 302.95%-286.3pp |
| Employer contribution / active EE | $125 | $3,219-96.1% | $2,738-95.4% | $4,762-97.4% |
| Participant deferral / active EE | $1,123 | $4,556-75.4% | $3,710-69.7% | $5,983-81.2% |
| Admin fee / account holder | $1,491 | $6,197-75.9% | $3,847-61.3% | $11,250-86.7% |