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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 | $80,705-64.1% | $115,768-75.0% | $67,986-57.4% |
| Participation rate | 40.9% | 63.0%-22.0pp | 74.4%-33.5pp | 57.2%-16.3pp |
| Annual return | 19.20% | 18.49%+0.7pp | 100.46%-81.3pp | 31.67%-12.5pp |
| Employer contribution / active EE | $279 | $2,046-86.4% | $2,940-90.5% | $2,019-86.2% |
| Participant deferral / active EE | $1,905 | $3,559-46.5% | $4,917-61.3% | $3,358-43.3% |
| Admin fee / account holder | $1,515 | $4,135-63.4% | $12,439-87.8% | $3,203-52.7% |