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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 | $29,028 | $78,707-63.1% | $117,861-75.4% | $70,126-58.6% |
| Participation rate | 66.7% | 73.2%-6.5pp | 79.7%-13.0pp | 69.5%-2.9pp |
| Annual return | 27.76% | 23.30%+4.5pp | 335.11%-307.3pp | 73.15%-45.4pp |
| Employer contribution / active EE | $99 | $2,223-95.6% | $3,786-97.4% | $2,343-95.8% |
| Participant deferral / active EE | $1,498 | $3,297-54.6% | $4,482-66.6% | $3,332-55.0% |
| Admin fee / account holder | $919 | $5,066-81.9% | $8,021-88.5% | $4,645-80.2% |