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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 | $20,861 | $88,672-76.5% | $105,223-80.2% | $82,448-74.7% |
| Participation rate | 32.4% | 67.9%-35.5pp | 75.0%-42.6pp | 68.1%-35.6pp |
| Annual return | 13.33% | 30.86%-17.5pp | 180.65%-167.3pp | 41.64%-28.3pp |
| Employer contribution / active EE | $260 | $3,048-91.5% | $3,689-92.9% | $2,551-89.8% |
| Participant deferral / active EE | $1,901 | $4,036-52.9% | $5,072-62.5% | $4,139-54.1% |
| Admin fee / account holder | $483 | $7,146-93.2% | $8,859-94.5% | $7,234-93.3% |