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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 | $8,839 | $53,128-83.4% | $86,582-89.8% | $70,126-87.4% |
| Participation rate | 46.0% | 65.3%-19.3pp | 73.5%-27.5pp | 69.5%-23.5pp |
| Annual return | 18.85% | 27.66%-8.8pp | 965.08%-946.2pp | 73.15%-54.3pp |
| Employer contribution / active EE | $213 | $2,068-89.7% | $2,839-92.5% | $2,343-90.9% |
| Participant deferral / active EE | $1,483 | $2,695-45.0% | $3,609-58.9% | $3,332-55.5% |
| Admin fee / account holder | $342 | $3,584-90.5% | $4,904-93.0% | $4,645-92.6% |