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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 | $12,643 | $50,554-75.0% | $67,681-81.3% | $87,485-85.5% |
| Participation rate | 60.6% | 67.7%-7.2pp | 73.7%-13.2pp | 68.9%-8.4pp |
| Annual return | 16.88% | 17.81%-0.9pp | 590.58%-573.7pp | 26.06%-9.2pp |
| Employer contribution / active EE | $136 | $1,988-93.2% | $2,678-94.9% | $2,596-94.8% |
| Participant deferral / active EE | $1,603 | $2,961-45.9% | $3,976-59.7% | $4,274-62.5% |
| Admin fee / account holder | $1,789 | $4,132-56.7% | $6,100-70.7% | $7,775-77.0% |