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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 | $11,686 | $42,909-72.8% | $152,093-92.3% | $71,012-83.5% |
| Participation rate | 19.7% | 54.7%-35.0pp | 77.8%-58.1pp | 58.6%-38.9pp |
| Annual return | 44.61% | 30.57%+14.0pp | 66.36%-21.7pp | 37.67%+6.9pp |
| Employer contribution / active EE | $66 | $1,369-95.2% | $4,175-98.4% | $2,348-97.2% |
| Participant deferral / active EE | $596 | $1,904-68.7% | $5,451-89.1% | $3,246-81.6% |
| Admin fee / account holder | $1,080 | $1,014+6.5% | $14,497-92.6% | $1,167-7.5% |