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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 | $15,042 | $201,370-92.5% | $184,256-91.8% | $145,897-89.7% |
| Participation rate | 53.3% | 87.5%-34.2pp | 86.8%-33.5pp | 80.3%-27.0pp |
| Annual return | 17.29% | 29.05%-11.8pp | 28.85%-11.6pp | 552.29%-535.0pp |
| Employer contribution / active EE | $1,429 | $7,024-79.7% | $6,427-77.8% | $4,663-69.4% |
| Participant deferral / active EE | $4,581 | $9,808-53.3% | $9,133-49.8% | $6,689-31.5% |
| Admin fee / account holder | $634 | $16,364-96.1% | $13,899-95.4% | $13,390-95.3% |