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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 | $11,294 | $55,437-79.6% | $155,534-92.7% | $74,459-84.8% |
| Participation rate | 50.3% | 61.9%-11.6pp | 78.2%-27.9pp | 67.2%-16.9pp |
| Annual return | 14.76% | 269.58%-254.8pp | 64.92%-50.2pp | 1369.70%-1354.9pp |
| Employer contribution / active EE | $276 | $2,266-87.8% | $4,675-94.1% | $2,626-89.5% |
| Participant deferral / active EE | $1,061 | $2,837-62.6% | $5,630-81.1% | $4,350-75.6% |
| Admin fee / account holder | $560 | $1,742-67.9% | $15,900-96.5% | $1,945-71.2% |