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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 | $37,837 | $122,051-69.0% | $184,185-79.5% | $74,400-49.1% |
| Participation rate | 62.3% | 85.5%-23.1pp | 86.8%-24.5pp | 67.2%-4.9pp |
| Annual return | 29.63% | 19.91%+9.7pp | 28.81%+0.8pp | 1367.51%-1337.9pp |
| Employer contribution / active EE | $1,263 | $4,539-72.2% | $6,426-80.3% | $2,624-51.9% |
| Participant deferral / active EE | $5,263 | $7,146-26.4% | $9,132-42.4% | $4,348+21.0% |
| Admin fee / account holder | $741 | $1,258-41.1% | $13,909-94.7% | $1,944-61.9% |