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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 | $24,376 | $78,707-69.0% | $117,861-79.3% | $70,126-65.2% |
| Participation rate | 59.3% | 73.2%-13.9pp | 79.7%-20.3pp | 69.5%-10.2pp |
| Annual return | 14.81% | 23.30%-8.5pp | 335.11%-320.3pp | 73.15%-58.3pp |
| Employer contribution / active EE | $437 | $2,223-80.4% | $3,786-88.5% | $2,343-81.4% |
| Participant deferral / active EE | $2,198 | $3,297-33.3% | $4,482-51.0% | $3,332-34.0% |
| Admin fee / account holder | $1,782 | $5,066-64.8% | $8,021-77.8% | $4,645-61.6% |