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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 | $14,856 | $65,395-77.3% | $182,531-91.9% | $72,983-79.6% |
| Participation rate | 21.2% | 65.4%-44.3pp | 78.0%-56.8pp | 69.5%-48.3pp |
| Annual return | 29.26% | 27.68%+1.6pp | 148.57%-119.3pp | 81.01%-51.7pp |
| Employer contribution / active EE | $313 | $1,911-83.6% | $4,075-92.3% | $2,440-87.2% |
| Participant deferral / active EE | $1,464 | $3,563-58.9% | $5,525-73.5% | $3,608-59.4% |
| Admin fee / account holder | $398 | $4,245-90.6% | $8,593-95.4% | $5,124-92.2% |