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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 | $11,332 | $142,430-92.0% | $115,170-90.2% | $152,897-92.6% |
| Participation rate | 40.9% | 82.4%-41.5pp | 75.9%-35.0pp | 82.5%-41.5pp |
| Annual return | 31.32% | 41.48%-10.2pp | 35.60%-4.3pp | 345.43%-314.1pp |
| Employer contribution / active EE | $697 | $4,011-82.6% | $3,179-78.1% | $4,764-85.4% |
| Participant deferral / active EE | $1,742 | $5,165-66.3% | $4,169-58.2% | $5,851-70.2% |
| Admin fee / account holder | $665 | $8,464-92.1% | $7,089-90.6% | $11,599-94.3% |