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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 | $24,437 | $93,345-73.8% | $119,126-79.5% | $87,485-72.1% |
| Participation rate | 35.9% | 68.7%-32.8pp | 75.8%-39.9pp | 68.9%-33.0pp |
| Annual return | 15.47% | 19.08%-3.6pp | 282.11%-266.6pp | 26.06%-10.6pp |
| Employer contribution / active EE | $430 | $3,172-86.4% | $4,034-89.3% | $2,596-83.4% |
| Participant deferral / active EE | $3,849 | $4,099-6.1% | $5,318-27.6% | $4,274-9.9% |
| Admin fee / account holder | $5,077 | $8,039-36.8% | $10,693-52.5% | $7,775-34.7% |