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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 | $20,001 | $101,795-80.4% | $165,100-87.9% | $80,959-75.3% |
| Participation rate | 61.4% | 71.8%-10.5pp | 78.6%-17.3pp | 67.7%-6.3pp |
| Annual return | 13.38% | 16.73%-3.3pp | 70.21%-56.8pp | 35.67%-22.3pp |
| Employer contribution / active EE | $815 | $2,954-72.4% | $4,348-81.2% | $2,757-70.4% |
| Participant deferral / active EE | $3,104 | $4,476-30.7% | $6,035-48.6% | $4,300-27.8% |
| Admin fee / account holder | $1,152 | $8,221-86.0% | $12,696-90.9% | $6,925-83.4% |