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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 | $15,205 | $98,776-84.6% | $149,745-89.8% | $79,856-81.0% |
| Participation rate | 42.2% | 75.8%-33.6pp | 82.5%-40.3pp | 69.6%-27.4pp |
| Annual return | 30.93% | 27.38%+3.6pp | 276.72%-245.8pp | 31.71%-0.8pp |
| Employer contribution / active EE | $386 | $3,217-88.0% | $4,646-91.7% | $2,471-84.4% |
| Participant deferral / active EE | $2,486 | $5,681-56.3% | $6,843-63.7% | $3,741-33.6% |
| Admin fee / account holder | $1,279 | $6,053-78.9% | $9,312-86.3% | $5,306-75.9% |