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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 | $24,918 | $80,781-69.2% | $102,437-75.7% | $74,478-66.5% |
| Participation rate | 21.0% | 65.7%-44.7pp | 74.5%-53.5pp | 67.2%-46.3pp |
| Annual return | 15.28% | 27.58%-12.3pp | 24.95%-9.7pp | 1370.56%-1355.3pp |
| Employer contribution / active EE | $761 | $3,160-75.9% | $3,871-80.3% | $2,626-71.0% |
| Participant deferral / active EE | $1,669 | $3,862-56.8% | $5,060-67.0% | $4,350-61.6% |
| Admin fee / account holder | $2,786 | $2,372+17.4% | $8,388-66.8% | $1,946+43.2% |