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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 | $20,649 | $105,200-80.4% | $159,474-87.1% | $85,847-75.9% |
| Participation rate | 48.0% | 75.8%-27.8pp | 82.8%-34.8pp | 69.3%-21.3pp |
| Annual return | 16.20% | 45.08%-28.9pp | 263.68%-247.5pp | 318.61%-302.4pp |
| Employer contribution / active EE | $507 | $3,319-84.7% | $4,831-89.5% | $2,565-80.2% |
| Participant deferral / active EE | $3,179 | $5,946-46.5% | $7,353-56.8% | $3,952-19.6% |
| Admin fee / account holder | $2,249 | $6,934-67.6% | $10,802-79.2% | $6,261-64.1% |