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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 | $18,041 | $58,726-69.3% | $92,236-80.4% | $62,293-71.0% |
| Participation rate | 69.6% | 68.3%+1.3pp | 76.5%-6.9pp | 69.5%+0.1pp |
| Annual return | 20.84% | 43.62%-22.8pp | 176.29%-155.5pp | 28.90%-8.1pp |
| Employer contribution / active EE | $348 | $2,392-85.4% | $3,679-90.5% | $2,042-82.9% |
| Participant deferral / active EE | $1,571 | $2,766-43.2% | $3,897-59.7% | $3,169-50.4% |
| Admin fee / account holder | $902 | $556+62.0% | $5,194-82.6% | $479+88.1% |