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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 | $105,284-76.8% | $150,734-83.8% | $94,015-74.0% |
| Participation rate | 35.9% | 71.7%-35.8pp | 78.4%-42.5pp | 70.8%-34.9pp |
| Annual return | 15.47% | 15.67%-0.2pp | 600.81%-585.3pp | 17.84%-2.4pp |
| Employer contribution / active EE | $430 | $3,599-88.1% | $4,918-91.3% | $2,790-84.6% |
| Participant deferral / active EE | $3,849 | $4,274-9.9% | $5,610-31.4% | $4,249-9.4% |
| Admin fee / account holder | $5,077 | $9,839-48.4% | $14,905-65.9% | $8,951-43.3% |