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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 | $11,246 | $124,330-91.0% | $109,173-89.7% | $167,536-93.3% |
| Participation rate | 23.1% | 79.5%-56.4pp | 75.9%-52.8pp | 82.1%-59.0pp |
| Annual return | 20.52% | 26.04%-5.5pp | 25.75%-5.2pp | 478.82%-458.3pp |
| Employer contribution / active EE | $461 | $4,209-89.1% | $3,723-87.6% | $4,839-90.5% |
| Participant deferral / active EE | $2,858 | $5,256-45.6% | $4,654-38.6% | $6,342-54.9% |
| Admin fee / account holder | $1,022 | $7,974-87.2% | $6,755-84.9% | $12,315-91.7% |