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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 | $11,736 | $48,050-75.6% | $96,754-87.9% | $64,340-81.8% |
| Participation rate | 15.3% | 40.6%-25.3pp | 70.3%-55.0pp | 55.2%-40.0pp |
| Annual return | 17.06% | 23.41%-6.4pp | 82.04%-65.0pp | 24.14%-7.1pp |
| Employer contribution / active EE | $16 | $1,204-98.6% | $2,679-99.4% | $1,862-99.1% |
| Participant deferral / active EE | $483 | $2,191-77.9% | $4,758-89.8% | $2,980-83.8% |
| Admin fee / account holder | $613 | $3,741-83.6% | $8,905-93.1% | $3,703-83.5% |