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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 | $16,786 | $95,453-82.4% | $112,040-85.0% | $82,448-79.6% |
| Participation rate | 44.4% | 72.8%-28.3pp | 76.5%-32.0pp | 68.1%-23.6pp |
| Annual return | 37.89% | 23.92%+14.0pp | 24.52%+13.4pp | 41.64%-3.7pp |
| Employer contribution / active EE | $420 | $2,318-81.9% | $2,954-85.8% | $2,551-83.5% |
| Participant deferral / active EE | $2,598 | $4,224-38.5% | $5,098-49.0% | $4,139-37.2% |
| Admin fee / account holder | $1,010 | $9,013-88.8% | $12,098-91.7% | $7,234-86.0% |