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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 | $22,850 | $80,781-71.7% | $102,437-77.7% | $74,478-69.3% |
| Participation rate | 42.1% | 65.7%-23.6pp | 74.5%-32.4pp | 67.2%-25.1pp |
| Annual return | 22.71% | 27.58%-4.9pp | 24.95%-2.2pp | 1370.56%-1347.9pp |
| Employer contribution / active EE | $492 | $3,160-84.4% | $3,871-87.3% | $2,626-81.3% |
| Participant deferral / active EE | $1,796 | $3,862-53.5% | $5,060-64.5% | $4,350-58.7% |
| Admin fee / account holder | $1,030 | $2,372-56.6% | $8,388-87.7% | $1,946-47.1% |