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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 | $11,307 | $61,356-81.6% | $149,696-92.4% | $71,511-84.2% |
| Participation rate | 40.2% | 62.5%-22.3pp | 78.8%-38.6pp | 67.9%-27.7pp |
| Annual return | 24.95% | 35.86%-10.9pp | 134.46%-109.5pp | 28.86%-3.9pp |
| Employer contribution / active EE | $195 | $2,382-91.8% | $4,821-96.0% | $2,589-92.5% |
| Participant deferral / active EE | $1,658 | $2,920-43.2% | $5,682-70.8% | $4,291-61.4% |
| Admin fee / account holder | $350 | $1,263-72.3% | $13,212-97.4% | $1,588-78.0% |