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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 | $20,600 | $93,345-77.9% | $119,126-82.7% | $87,485-76.5% |
| Participation rate | 46.3% | 68.7%-22.5pp | 75.8%-29.5pp | 68.9%-22.7pp |
| Annual return | 17.38% | 19.08%-1.7pp | 282.11%-264.7pp | 26.06%-8.7pp |
| Employer contribution / active EE | $237 | $3,172-92.5% | $4,034-94.1% | $2,596-90.9% |
| Participant deferral / active EE | $1,830 | $4,099-55.4% | $5,318-65.6% | $4,274-57.2% |
| Admin fee / account holder | $2,730 | $8,039-66.0% | $10,693-74.5% | $7,775-64.9% |