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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 | $9,070 | $77,920-88.4% | $149,723-93.9% | $75,177-87.9% |
| Participation rate | 26.0% | 65.6%-39.6pp | 78.8%-52.8pp | 67.2%-41.2pp |
| Annual return | 19.01% | 31.72%-12.7pp | 134.50%-115.5pp | 160.75%-141.7pp |
| Employer contribution / active EE | $128 | $3,138-95.9% | $4,821-97.3% | $2,671-95.2% |
| Participant deferral / active EE | $1,360 | $3,411-60.1% | $5,682-76.1% | $4,126-67.0% |
| Admin fee / account holder | $404 | $5,951-93.2% | $13,215-96.9% | $5,651-92.9% |