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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 | $12,732 | $77,638-83.6% | $156,551-91.9% | $62,881-79.8% |
| Participation rate | 30.0% | 71.2%-41.2pp | 84.0%-54.0pp | 69.3%-39.3pp |
| Annual return | 4.81% | 50.33%-45.5pp | 32.23%-27.4pp | 20.14%-15.3pp |
| Employer contribution / active EE | $357 | $3,444-89.6% | $5,501-93.5% | $2,281-84.4% |
| Participant deferral / active EE | $1,082 | $3,046-64.5% | $4,871-77.8% | $3,203-66.2% |
| Admin fee / account holder | $1,355 | $5,561-75.6% | $13,028-89.6% | $4,296-68.5% |