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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 | $9,805 | $62,177-84.2% | $81,370-87.9% | $74,478-86.8% |
| Participation rate | 30.5% | 64.1%-33.5pp | 69.5%-39.0pp | 67.2%-36.7pp |
| Annual return | 21.15% | 16.62%+4.5pp | 24.85%-3.7pp | 1370.56%-1349.4pp |
| Employer contribution / active EE | $13 | $1,881-99.3% | $2,464-99.5% | $2,626-99.5% |
| Participant deferral / active EE | $1,626 | $3,219-49.5% | $3,885-58.2% | $4,350-62.6% |
| Admin fee / account holder | $1,466 | $1,927-23.9% | $5,749-74.5% | $1,946-24.7% |