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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 | $16,162 | $65,395-75.3% | $182,558-91.1% | $72,976-77.9% |
| Participation rate | 33.7% | 65.4%-31.7pp | 78.0%-44.3pp | 69.5%-35.8pp |
| Annual return | 29.52% | 27.68%+1.8pp | 148.59%-119.1pp | 81.02%-51.5pp |
| Employer contribution / active EE | $129 | $1,911-93.2% | $4,076-96.8% | $2,440-94.7% |
| Participant deferral / active EE | $2,504 | $3,563-29.7% | $5,526-54.7% | $3,608-30.6% |
| Admin fee / account holder | $1,007 | $4,245-76.3% | $8,594-88.3% | $5,124-80.3% |