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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 | $143,969-73.3% | $199,883-80.8% | $82,637-53.5% |
| Participation rate | 66.7% | 84.1%-17.5pp | 86.8%-20.1pp | 68.1%-1.4pp |
| Annual return | 15.90% | 25.67%-9.8pp | 43.81%-27.9pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,175 | $4,632-74.6% | $6,261-81.2% | $2,552-54.0% |
| Participant deferral / active EE | $4,570 | $6,937-34.1% | $9,138-50.0% | $4,126+10.8% |
| Admin fee / account holder | $10,572 | $14,597-27.6% | $17,268-38.8% | $7,339+44.1% |