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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 | $27,152 | $125,797-78.4% | $170,043-84.0% | $75,173-63.9% |
| Participation rate | 61.0% | 83.6%-22.6pp | 87.0%-26.0pp | 67.2%-6.2pp |
| Annual return | 19.49% | 27.20%-7.7pp | 53.40%-33.9pp | 160.72%-141.2pp |
| Employer contribution / active EE | $1,405 | $4,616-69.6% | $6,790-79.3% | $2,671-47.4% |
| Participant deferral / active EE | $4,447 | $6,838-35.0% | $10,410-57.3% | $4,126+7.8% |
| Admin fee / account holder | $784 | $8,177-90.4% | $12,824-93.9% | $5,651-86.1% |