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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 | $22,010 | $123,793-82.2% | $177,827-87.6% | $79,858-72.4% |
| Participation rate | 54.7% | 84.7%-29.9pp | 87.7%-33.0pp | 69.6%-14.9pp |
| Annual return | 26.82% | 22.82%+4.0pp | 48.32%-21.5pp | 31.72%-4.9pp |
| Employer contribution / active EE | $1,046 | $4,095-74.5% | $5,918-82.3% | $2,471-57.7% |
| Participant deferral / active EE | $3,978 | $5,956-33.2% | $7,713-48.4% | $3,740+6.4% |
| Admin fee / account holder | $2,320 | $7,243-68.0% | $12,429-81.3% | $5,306-56.3% |