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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 | $12,971 | $350,654-96.3% | $161,489-92.0% | - |
| Participation rate | 36.1% | 49.8%-13.7pp | 78.7%-42.6pp | - |
| Annual return | 27.52% | 7.72%+19.8pp | 89.72%-62.2pp | - |
| Employer contribution / active EE | $125 | $954-86.9% | $4,268-97.1% | - |
| Participant deferral / active EE | $1,190 | $1,899-37.3% | $5,630-78.9% | - |
| Admin fee / account holder | $411 | $106,898-99.6% | $16,006-97.4% | - |