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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 | $14,739 | $78,015-81.1% | $178,505-91.7% | $80,959-81.8% |
| Participation rate | 55.0% | 65.7%-10.7pp | 77.1%-22.1pp | 67.7%-12.7pp |
| Annual return | 36.78% | 18.10%+18.7pp | 27.16%+9.6pp | 35.67%+1.1pp |
| Employer contribution / active EE | $232 | $2,281-89.8% | $3,955-94.1% | $2,757-91.6% |
| Participant deferral / active EE | $1,903 | $4,406-56.8% | $6,280-69.7% | $4,300-55.7% |
| Admin fee / account holder | $350 | $7,160-95.1% | $10,428-96.6% | $6,925-94.9% |