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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 | $24,875 | $79,867-68.9% | $120,344-79.3% | $64,340-61.3% |
| Participation rate | 51.9% | 63.0%-11.1pp | 76.7%-24.8pp | 55.2%-3.4pp |
| Annual return | 13.96% | 21.10%-7.1pp | 20.30%-6.3pp | 24.14%-10.2pp |
| Employer contribution / active EE | $501 | $1,925-74.0% | $3,020-83.4% | $1,862-73.1% |
| Participant deferral / active EE | $1,664 | $3,593-53.7% | $5,135-67.6% | $2,980-44.2% |
| Admin fee / account holder | $4,225 | $5,039-16.2% | $12,742-66.8% | $3,703+14.1% |