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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 | $25,698 | $64,890-60.4% | $134,172-80.8% | $67,986-62.2% |
| Participation rate | 16.3% | 48.5%-32.2pp | 72.5%-56.2pp | 57.2%-40.9pp |
| Annual return | 44.10% | 16.12%+28.0pp | 25.30%+18.8pp | 31.67%+12.4pp |
| Employer contribution / active EE | $213 | $1,360-84.4% | $3,420-93.8% | $2,019-89.5% |
| Participant deferral / active EE | $934 | $2,289-59.2% | $4,690-80.1% | $3,358-72.2% |
| Admin fee / account holder | $446 | $3,140-85.8% | $12,016-96.3% | $3,203-86.1% |