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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 | $15,891 | $89,259-82.2% | $107,187-85.2% | $82,637-80.8% |
| Participation rate | 29.0% | 67.9%-38.9pp | 75.0%-46.0pp | 68.1%-39.0pp |
| Annual return | 26.19% | 21.02%+5.2pp | 204.55%-178.4pp | 53.51%-27.3pp |
| Employer contribution / active EE | $407 | $3,080-86.8% | $3,782-89.2% | $2,552-84.0% |
| Participant deferral / active EE | $1,695 | $4,037-58.0% | $5,096-66.7% | $4,126-58.9% |
| Admin fee / account holder | $1,594 | $7,381-78.4% | $9,162-82.6% | $7,339-78.3% |