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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 | $14,344 | $66,673-78.5% | $203,872-93.0% | $65,306-78.0% |
| Participation rate | 38.6% | 53.8%-15.2pp | 77.8%-39.2pp | 57.7%-19.1pp |
| Annual return | 28.47% | 15.81%+12.7pp | 85.11%-56.6pp | 21.94%+6.5pp |
| Employer contribution / active EE | $259 | $1,702-84.8% | $3,757-93.1% | $1,967-86.8% |
| Participant deferral / active EE | $2,649 | $2,944-10.0% | $6,388-58.5% | $2,959-10.5% |
| Admin fee / account holder | $690 | $5,686-87.9% | $11,730-94.1% | $3,480-80.2% |