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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 | $38,434 | $146,267-73.7% | $197,124-80.5% | $82,448-53.4% |
| Participation rate | 66.7% | 84.0%-17.3pp | 86.7%-20.0pp | 68.1%-1.4pp |
| Annual return | 15.90% | 29.61%-13.7pp | 44.34%-28.4pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,175 | $4,723-75.1% | $6,227-81.1% | $2,551-53.9% |
| Participant deferral / active EE | $4,570 | $7,035-35.0% | $9,135-50.0% | $4,139+10.4% |
| Admin fee / account holder | $10,572 | $14,422-26.7% | $16,298-35.1% | $7,234+46.1% |