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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 | $17,006 | $53,901-68.4% | $134,162-87.3% | $73,497-76.9% |
| Participation rate | 42.5% | 62.8%-20.3pp | 72.2%-29.7pp | 70.7%-28.2pp |
| Annual return | 72.91% | 15.82%+57.1pp | 36.35%+36.6pp | 28.51%+44.4pp |
| Employer contribution / active EE | $277 | $1,458-81.0% | $3,705-92.5% | $2,270-87.8% |
| Participant deferral / active EE | $2,268 | $2,739-17.2% | $3,500-35.2% | $3,740-39.3% |
| Admin fee / account holder | $676 | $581+16.4% | $6,685-89.9% | $513+31.7% |