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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 | $40,222 | $95,084-57.7% | $140,514-71.4% | $69,733-42.3% |
| Participation rate | 41.6% | 68.7%-27.1pp | 77.8%-36.2pp | 62.5%-20.9pp |
| Annual return | 16.38% | 18.56%-2.2pp | 14.36%+2.0pp | 15.22%+1.2pp |
| Employer contribution / active EE | $445 | $2,405-81.5% | $3,378-86.8% | $2,250-80.2% |
| Participant deferral / active EE | $2,096 | $3,868-45.8% | $4,919-57.4% | $3,054-31.4% |
| Admin fee / account holder | $367 | $4,885-92.5% | $13,697-97.3% | $3,102-88.2% |