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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 | $20,436 | $350,654-94.2% | $161,489-87.3% | - |
| Participation rate | 41.4% | 49.8%-8.4pp | 78.7%-37.3pp | - |
| Annual return | 16.97% | 7.72%+9.3pp | 89.72%-72.7pp | - |
| Employer contribution / active EE | $220 | $954-76.9% | $4,268-94.8% | - |
| Participant deferral / active EE | $1,652 | $1,899-13.0% | $5,630-70.7% | - |
| Admin fee / account holder | $511 | $106,898-99.5% | $16,006-96.8% | - |