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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 | $14,391 | $171,492-91.6% | $150,734-90.5% | $198,609-92.8% |
| Participation rate | 47.8% | 81.4%-33.6pp | 78.4%-30.6pp | 82.4%-34.6pp |
| Annual return | 12.62% | 804.70%-792.1pp | 600.81%-588.2pp | 202.70%-190.1pp |
| Employer contribution / active EE | $754 | $5,470-86.2% | $4,918-84.7% | $5,055-85.1% |
| Participant deferral / active EE | $3,105 | $6,259-50.4% | $5,610-44.7% | $6,977-55.5% |
| Admin fee / account holder | $2,308 | $17,628-86.9% | $14,905-84.5% | $19,030-87.9% |