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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 | $37,835 | $130,294-71.0% | $170,043-77.7% | $71,511-47.1% |
| Participation rate | 52.7% | 86.2%-33.4pp | 87.0%-34.3pp | 67.9%-15.2pp |
| Annual return | 20.55% | 20.36%+0.2pp | 53.40%-32.9pp | 28.86%-8.3pp |
| Employer contribution / active EE | $1,328 | $4,385-69.7% | $6,790-80.4% | $2,589-48.7% |
| Participant deferral / active EE | $5,167 | $6,928-25.4% | $10,410-50.4% | $4,291+20.4% |
| Admin fee / account holder | $1,213 | $966+25.5% | $12,824-90.5% | $1,588-23.7% |