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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 | $9,679 | $103,966-90.7% | $112,899-91.4% | $75,181-87.1% |
| Participation rate | 43.9% | 75.7%-31.8pp | 80.5%-36.7pp | 67.2%-23.3pp |
| Annual return | 41.95% | 24.54%+17.4pp | 34.11%+7.8pp | 160.69%-118.7pp |
| Employer contribution / active EE | $1,030 | $3,870-73.4% | $4,566-77.4% | $2,671-61.4% |
| Participant deferral / active EE | $2,078 | $5,456-61.9% | $6,516-68.1% | $4,126-49.6% |
| Admin fee / account holder | $353 | $7,663-95.4% | $7,047-95.0% | $5,650-93.8% |