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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 | $36,765 | $109,359-66.4% | $162,185-77.3% | $72,976-49.6% |
| Participation rate | 51.9% | 84.3%-32.4pp | 87.6%-35.7pp | 69.5%-17.6pp |
| Annual return | 23.41% | 25.46%-2.0pp | 115.61%-92.2pp | 81.02%-57.6pp |
| Employer contribution / active EE | $25 | $3,907-99.4% | $5,613-99.6% | $2,440-99.0% |
| Participant deferral / active EE | $2,716 | $5,481-50.5% | $7,297-62.8% | $3,608-24.7% |
| Admin fee / account holder | $2,950 | $7,972-63.0% | $10,844-72.8% | $5,124-42.4% |