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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 | $28,257 | $83,369-66.1% | $105,223-73.1% | $67,986-58.4% |
| Participation rate | 35.3% | 56.3%-21.0pp | 75.0%-39.8pp | 57.2%-21.9pp |
| Annual return | 15.17% | 24.64%-9.5pp | 180.65%-165.5pp | 31.67%-16.5pp |
| Employer contribution / active EE | $482 | $2,541-81.0% | $3,689-86.9% | $2,019-76.1% |
| Participant deferral / active EE | $2,199 | $3,295-33.3% | $5,072-56.6% | $3,358-34.5% |
| Admin fee / account holder | $9,897 | $4,073+143.0% | $8,859+11.7% | $3,203+209.0% |