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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 | $22,359 | $80,781-72.3% | $102,437-78.2% | $74,478-70.0% |
| Participation rate | 45.0% | 65.7%-20.7pp | 74.5%-29.5pp | 67.2%-22.2pp |
| Annual return | 22.19% | 27.58%-5.4pp | 24.95%-2.8pp | 1370.56%-1348.4pp |
| Employer contribution / active EE | $713 | $3,160-77.4% | $3,871-81.6% | $2,626-72.9% |
| Participant deferral / active EE | $1,819 | $3,862-52.9% | $5,060-64.0% | $4,350-58.2% |
| Admin fee / account holder | $2,689 | $2,372+13.4% | $8,388-67.9% | $1,946+38.2% |