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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 | $64,734-74.6% | $90,796-81.9% | $64,097-74.4% |
| Participation rate | 28.3% | 53.2%-24.9pp | 69.5%-41.2pp | 55.2%-26.9pp |
| Annual return | 20.13% | 17.77%+2.4pp | 19.29%+0.8pp | 34.64%-14.5pp |
| Employer contribution / active EE | $200 | $1,703-88.2% | $2,294-91.3% | $1,891-89.4% |
| Participant deferral / active EE | $1,164 | $2,629-55.7% | $3,822-69.6% | $3,080-62.2% |
| Admin fee / account holder | $325 | $3,474-90.7% | $7,024-95.4% | $3,454-90.6% |