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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 | $17,853 | $75,058-76.2% | $152,301-88.3% | $64,340-72.3% |
| Participation rate | 22.8% | 60.9%-38.1pp | 82.4%-59.6pp | 55.2%-32.4pp |
| Annual return | 37.49% | 29.93%+7.6pp | 80.50%-43.0pp | 24.14%+13.3pp |
| Employer contribution / active EE | $163 | $2,605-93.7% | $4,624-96.5% | $1,862-91.2% |
| Participant deferral / active EE | $2,030 | $5,041-59.7% | $8,004-74.6% | $2,980-31.9% |
| Admin fee / account holder | $1,916 | $4,050-52.7% | $14,398-86.7% | $3,703-48.3% |