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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 | $13,816 | $84,236-83.6% | $170,435-91.9% | $70,126-80.3% |
| Participation rate | 31.3% | 70.8%-39.6pp | 83.6%-52.3pp | 69.5%-38.3pp |
| Annual return | 21.58% | 23.06%-1.5pp | 205.94%-184.4pp | 73.15%-51.6pp |
| Employer contribution / active EE | $190 | $3,387-94.4% | $5,432-96.5% | $2,343-91.9% |
| Participant deferral / active EE | $1,645 | $3,086-46.7% | $4,939-66.7% | $3,332-50.6% |
| Admin fee / account holder | $3,083 | $5,698-45.9% | $13,881-77.8% | $4,645-33.6% |