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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 | $386,342-94.7% | $189,758-89.2% | - |
| Participation rate | 41.4% | 54.4%-13.0pp | 79.8%-38.4pp | - |
| Annual return | 16.97% | 12.05%+4.9pp | 52.62%-35.6pp | - |
| Employer contribution / active EE | $220 | $1,239-82.2% | $4,767-95.4% | - |
| Participant deferral / active EE | $1,652 | $2,233-26.0% | $5,856-71.8% | - |
| Admin fee / account holder | $511 | $181,680-99.7% | $20,388-97.5% | - |