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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 | $12,041 | $89,364-86.5% | $141,177-91.5% | $72,983-83.5% |
| Participation rate | 42.5% | 75.1%-32.6pp | 82.5%-40.0pp | 69.5%-27.0pp |
| Annual return | 47.19% | 111.86%-64.7pp | 71.40%-24.2pp | 81.01%-33.8pp |
| Employer contribution / active EE | $411 | $3,115-86.8% | $4,736-91.3% | $2,440-83.2% |
| Participant deferral / active EE | $2,363 | $5,419-56.4% | $6,710-64.8% | $3,608-34.5% |
| Admin fee / account holder | $1,204 | $5,959-79.8% | $10,263-88.3% | $5,124-76.5% |