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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 | $13,622 | $65,364-79.2% | $92,909-85.3% | $72,975-81.3% |
| Participation rate | 48.7% | 68.3%-19.6pp | 76.0%-27.3pp | 69.5%-20.8pp |
| Annual return | 21.77% | 42.11%-20.3pp | 109.44%-87.7pp | 81.01%-59.2pp |
| Employer contribution / active EE | $407 | $2,594-84.3% | $3,653-88.9% | $2,440-83.3% |
| Participant deferral / active EE | $2,629 | $3,128-16.0% | $4,238-38.0% | $3,608-27.1% |
| Admin fee / account holder | $1,544 | $4,251-63.7% | $5,795-73.4% | $5,124-69.9% |