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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 | $18,419 | $78,670-76.6% | $109,173-83.1% | $85,847-78.5% |
| Participation rate | 41.9% | 68.3%-26.4pp | 75.9%-34.0pp | 69.3%-27.5pp |
| Annual return | 44.53% | 25.09%+19.4pp | 25.75%+18.8pp | 318.61%-274.1pp |
| Employer contribution / active EE | $577 | $2,734-78.9% | $3,723-84.5% | $2,565-77.5% |
| Participant deferral / active EE | $1,518 | $3,467-56.2% | $4,654-67.4% | $3,952-61.6% |
| Admin fee / account holder | $1,068 | $5,469-80.5% | $6,755-84.2% | $6,261-82.9% |