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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 | $46,464-74.8% | $150,298-92.2% | $79,634-85.3% |
| Participation rate | 19.7% | 57.0%-37.3pp | 77.8%-58.1pp | 62.5%-42.8pp |
| Annual return | 44.61% | 27.89%+16.7pp | 62.79%-18.2pp | 36.46%+8.2pp |
| Employer contribution / active EE | $66 | $1,512-95.6% | $4,154-98.4% | $2,529-97.4% |
| Participant deferral / active EE | $596 | $2,157-72.4% | $5,453-89.1% | $3,835-84.5% |
| Admin fee / account holder | $1,080 | $891+21.2% | $14,116-92.4% | $1,002+7.8% |