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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 | $23,675 | $102,422-76.9% | $147,117-83.9% | $80,959-70.8% |
| Participation rate | 62.1% | 75.9%-13.8pp | 82.2%-20.1pp | 67.7%-5.6pp |
| Annual return | 23.68% | 135.16%-111.5pp | 420.54%-396.9pp | 35.67%-12.0pp |
| Employer contribution / active EE | $474 | $3,717-87.2% | $4,932-90.4% | $2,757-82.8% |
| Participant deferral / active EE | $4,924 | $6,652-26.0% | $8,065-38.9% | $4,300+14.5% |
| Admin fee / account holder | $4,240 | $7,953-46.7% | $12,993-67.4% | $6,925-38.8% |