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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 | $25,228 | $95,404-73.6% | $113,397-77.8% | $82,637-69.5% |
| Participation rate | 56.8% | 72.8%-16.0pp | 76.5%-19.7pp | 68.1%-11.3pp |
| Annual return | 21.15% | 19.08%+2.1pp | 23.20%-2.0pp | 53.51%-32.4pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,710 | $4,220+11.6% | $5,076-7.2% | $4,126+14.2% |
| Admin fee / account holder | $3,013 | $9,168-67.1% | $11,957-74.8% | $7,339-59.0% |