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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 | $20,216 | $89,367-77.4% | $141,191-85.7% | $72,975-72.3% |
| Participation rate | 51.5% | 75.1%-23.6pp | 82.5%-31.0pp | 69.5%-18.0pp |
| Annual return | 30.53% | 111.87%-81.3pp | 71.41%-40.9pp | 81.01%-50.5pp |
| Employer contribution / active EE | $423 | $3,115-86.4% | $4,736-91.1% | $2,440-82.7% |
| Participant deferral / active EE | $3,799 | $5,419-29.9% | $6,710-43.4% | $3,608+5.3% |
| Admin fee / account holder | $2,979 | $5,957-50.0% | $10,264-71.0% | $5,124-41.9% |