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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 | $19,699 | $201,370-90.2% | $184,256-89.3% | $145,897-86.5% |
| Participation rate | 50.0% | 87.5%-37.5pp | 86.8%-36.8pp | 80.3%-30.3pp |
| Annual return | 16.34% | 29.05%-12.7pp | 28.85%-12.5pp | 552.29%-535.9pp |
| Employer contribution / active EE | $1,351 | $7,024-80.8% | $6,427-79.0% | $4,663-71.0% |
| Participant deferral / active EE | $8,305 | $9,808-15.3% | $9,133-9.1% | $6,689+24.2% |
| Admin fee / account holder | $907 | $16,364-94.5% | $13,899-93.5% | $13,390-93.2% |