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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 | $14,476 | $83,485-82.7% | $125,180-88.4% | $72,983-80.2% |
| Participation rate | 44.4% | 73.3%-28.9pp | 79.8%-35.3pp | 69.5%-25.0pp |
| Annual return | 48.32% | 25.78%+22.5pp | 43.79%+4.5pp | 81.01%-32.7pp |
| Employer contribution / active EE | $521 | $2,346-77.8% | $3,866-86.5% | $2,440-78.7% |
| Participant deferral / active EE | $1,830 | $3,586-49.0% | $4,937-62.9% | $3,608-49.3% |
| Admin fee / account holder | $1,132 | $5,518-79.5% | $9,703-88.3% | $5,124-77.9% |