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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 | $16,423 | $67,776-75.8% | $90,312-81.8% | $65,306-74.9% |
| Participation rate | 28.3% | 58.1%-29.8pp | 72.9%-44.6pp | 57.7%-29.4pp |
| Annual return | 20.13% | 16.62%+3.5pp | 18.90%+1.2pp | 21.94%-1.8pp |
| Employer contribution / active EE | $200 | $2,195-90.9% | $2,243-91.1% | $1,967-89.8% |
| Participant deferral / active EE | $1,164 | $2,641-55.9% | $3,749-69.0% | $2,959-60.7% |
| Admin fee / account holder | $325 | $3,322-90.2% | $8,248-96.1% | $3,480-90.7% |