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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 | $12,660 | $91,559-86.2% | $133,978-90.6% | $79,856-84.1% |
| Participation rate | 48.3% | 73.3%-25.1pp | 79.8%-31.6pp | 69.6%-21.4pp |
| Annual return | 14.53% | 61.85%-47.3pp | 45.10%-30.6pp | 31.71%-17.2pp |
| Employer contribution / active EE | $376 | $2,384-84.2% | $3,919-90.4% | $2,471-84.8% |
| Participant deferral / active EE | $2,422 | $3,734-35.1% | $5,047-52.0% | $3,741-35.3% |
| Admin fee / account holder | $627 | $6,321-90.1% | $8,930-93.0% | $5,306-88.2% |