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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 | $36,972 | $177,595-79.2% | $148,496-75.1% | $198,609-81.4% |
| Participation rate | 50.0% | 79.3%-29.3pp | 76.0%-26.0pp | 82.4%-32.4pp |
| Annual return | 17.83% | 9.97%+7.9pp | 12.33%+5.5pp | 202.70%-184.9pp |
| Employer contribution / active EE | $388 | $4,098-90.5% | $3,497-88.9% | $5,055-92.3% |
| Participant deferral / active EE | $4,051 | $5,539-26.9% | $4,808-15.8% | $6,977-41.9% |
| Admin fee / account holder | $371 | $27,010-98.6% | $19,547-98.1% | $19,030-98.1% |