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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 | $15,555 | $65,027-76.1% | $90,970-82.9% | $79,852-80.5% |
| Participation rate | 35.3% | 61.6%-26.3pp | 69.0%-33.7pp | 69.6%-34.3pp |
| Annual return | 12.01% | 30.45%-18.4pp | 134.58%-122.6pp | 31.72%-19.7pp |
| Employer contribution / active EE | $11 | $1,247-99.1% | $2,122-99.5% | $2,471-99.6% |
| Participant deferral / active EE | $1,583 | $2,512-37.0% | $3,373-53.1% | $3,740-57.7% |
| Admin fee / account holder | $2,052 | $4,535-54.8% | $5,960-65.6% | $5,306-61.3% |