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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 | $14,505 | $66,275-78.1% | $163,379-91.1% | $64,097-77.4% |
| Participation rate | 52.1% | 54.1%-2.0pp | 76.8%-24.7pp | 55.2%-3.1pp |
| Annual return | 21.55% | 32.72%-11.2pp | 63.41%-41.9pp | 34.64%-13.1pp |
| Employer contribution / active EE | $230 | $1,521-84.9% | $3,752-93.9% | $1,891-87.8% |
| Participant deferral / active EE | $2,056 | $3,126-34.2% | $6,282-67.3% | $3,080-33.2% |
| Admin fee / account holder | $1,244 | $4,569-72.8% | $9,818-87.3% | $3,454-64.0% |