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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 | $41,060 | $254,759-83.9% | $216,567-81.0% | $198,609-79.3% |
| Participation rate | 46.2% | 84.5%-38.4pp | 81.6%-35.5pp | 82.4%-36.2pp |
| Annual return | 12.76% | 10.04%+2.7pp | 12.94%-0.2pp | 202.70%-189.9pp |
| Employer contribution / active EE | $1,134 | $6,096-81.4% | $5,216-78.3% | $5,055-77.6% |
| Participant deferral / active EE | $3,227 | $6,948-53.6% | $6,191-47.9% | $6,977-53.7% |
| Admin fee / account holder | $2,240 | $26,311-91.5% | $21,981-89.8% | $19,030-88.2% |