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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 | $13,869 | $57,828-76.0% | $117,039-88.2% | $70,126-80.2% |
| Participation rate | 57.6% | 67.1%-9.5pp | 77.2%-19.6pp | 69.5%-12.0pp |
| Annual return | 43.41% | 17.55%+25.9pp | 18.95%+24.5pp | 73.15%-29.7pp |
| Employer contribution / active EE | $340 | $1,816-81.3% | $3,785-91.0% | $2,343-85.5% |
| Participant deferral / active EE | $1,167 | $2,438-52.1% | $3,929-70.3% | $3,332-65.0% |
| Admin fee / account holder | $1,932 | $3,548-45.5% | $5,974-67.7% | $4,645-58.4% |