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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 | $17,471 | $105,248-83.4% | $147,318-88.1% | $71,012-75.4% |
| Participation rate | 24.8% | 66.1%-41.3pp | 82.1%-57.2pp | 58.6%-33.7pp |
| Annual return | 18.02% | 26.02%-8.0pp | 70.43%-52.4pp | 37.67%-19.7pp |
| Employer contribution / active EE | $373 | $3,785-90.2% | $4,593-91.9% | $2,348-84.1% |
| Participant deferral / active EE | $746 | $6,452-88.4% | $7,906-90.6% | $3,246-77.0% |
| Admin fee / account holder | $1,906 | $862+121.1% | $13,708-86.1% | $1,167+63.3% |