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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 | $12,600 | $102,422-87.7% | $147,117-91.4% | $80,959-84.4% |
| Participation rate | 35.4% | 75.9%-40.5pp | 82.2%-46.8pp | 67.7%-32.3pp |
| Annual return | 17.23% | 135.16%-117.9pp | 420.54%-403.3pp | 35.67%-18.4pp |
| Employer contribution / active EE | $139 | $3,717-96.3% | $4,932-97.2% | $2,757-95.0% |
| Participant deferral / active EE | $2,808 | $6,652-57.8% | $8,065-65.2% | $4,300-34.7% |
| Admin fee / account holder | $3,424 | $7,953-57.0% | $12,993-73.7% | $6,925-50.6% |