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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 | $35,610 | $123,793-71.2% | $177,840-80.0% | $79,852-55.4% |
| Participation rate | 60.9% | 84.7%-23.8pp | 87.7%-26.8pp | 69.6%-8.8pp |
| Annual return | 20.94% | 22.82%-1.9pp | 48.32%-27.4pp | 31.72%-10.8pp |
| Employer contribution / active EE | $1,193 | $4,095-70.9% | $5,919-79.8% | $2,471-51.7% |
| Participant deferral / active EE | $3,769 | $5,956-36.7% | $7,714-51.1% | $3,740+0.8% |
| Admin fee / account holder | $2,201 | $7,243-69.6% | $12,431-82.3% | $5,306-58.5% |