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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 | $28,961 | $76,383-62.1% | $121,663-76.2% | $64,340-55.0% |
| Participation rate | 40.9% | 60.4%-19.5pp | 74.5%-33.6pp | 55.2%-14.3pp |
| Annual return | 19.20% | 16.98%+2.2pp | 147.54%-128.3pp | 24.14%-4.9pp |
| Employer contribution / active EE | $279 | $1,943-85.6% | $3,020-90.8% | $1,862-85.0% |
| Participant deferral / active EE | $1,905 | $3,149-39.5% | $4,887-61.0% | $2,980-36.1% |
| Admin fee / account holder | $1,515 | $4,142-63.4% | $14,289-89.4% | $3,703-59.1% |